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(Mon to Thu 9.00am - 8.00pm, Friday 9.00am - 6.00pm)
Simple debt advice - with no up-front costs


Everyone’s circumstances are different which is why we offer advice and information on a range of solutions that best suits you. Including:

      •      Debt Management plans (with no additional costs);
      •      Individual Voluntary Arrangements (IVAs);
      •      Protected Trust Deeds and
      •      Debt Arrangement Schemes (DAS).

If bankruptcy is for you then we offer a free on-line guide to the form filling and what to expect at court.

We do not charge any up-front fees in respect of debt advice provided to you. We are not here to be judgmental. We are here to stand right by your side and help provide you with a solution.

Time for a fresh start!


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BBC - My Worst Deal, BBC Radio, Daily Mirror, the guardian

DebtWizard Fee Saving Calculator

Why pay fees for a debt management plan? See how much we could save you

How much unsecured debt do you have?
How much can you afford each month?
Based upon you paying in fees*
when added to your level of debt we
can reduce your payment period by months...
... and save you

in fees.

*A fee charging debt management company is a firm that will charge you for debt advice and debt service. Their set up fees will be taken over the first six months as well as a monthly management fee, usually 15% plus VAT. See Debt Management Protocol 2014


If you are thinking of starting a debt management plan or wish to transfer to a 'non' fee debt management plan and not pay fees then see how much we can save you by using the slide bars on our unique fee saving calculator above.



For no nonsense advice just submit the short form and Mike or one of his team will get back to you.

Unsecured debt

--Debt Amount--

Home owner

Yes No

No. of creditors


Current payments

£0 - £25

Affordable payments

£0 - £25



Email Address

Phone Number


Yes No Can we leave a voicemail

Yes No Can we contact you via SMS

Yes No Can we contact you via email

Best time to call


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Free podcast now available - LBC Money Hour with Clive Bull - Sunday 8-9pm, 25 September 2016
Sunday, 25th September 2016
Free podcast now available - LBC Money Hour with Clive Bull - Monday 9-10pm, 15 August 2016
Monday, 15th August 2016
Free podcast now available - LBC 'Money Hour' with Clive Bull 9-10pm, 18/7/16
Monday, 18th July 2016

New online bankruptcy application

How and where to apply, procedure, how to pay the fees and lots more here

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