• Debt Management Plan

    Debt Management Plan

    Informal arrangement that helps you to manage your debts and pay them off with one single affordable monthly payment.

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  • Individual Voluntary Arrangement

    Individual Voluntary Arrangement

    A legal contract to repay your creditors at an amount you can affordable monthly payment over 5-6 years after which any remaining debt is written off.

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  • Debt Relief Order

    Debt Relief Order

    A debt relief order (DRO) is a way of having your debts written off if you have low debt with little assets.

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  • Breathing Space

    Breathing Space

    Breathing Space is a government scheme which could help relieve some of the pressure caused by being in debt, giving you time to arrange a long term solution.

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  • Debt Settlement

    Debt Settlement

    A Full and Final Debt Settlement Offer is an offer of partial repayment to your creditors in a one-off lump sum payment in return for having the remainder of your debt written off.

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  • Bankruptcy


    Bankruptcy is a legal process that writes off debts if you can’t afford to repay them, giving you a fresh start. To be declared bankrupt you must make an application to the Insolvency Service

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  • Debt Arrangement Scheme

    Debt Arrangement Scheme

    Scotland Only

    A debt arrangement scheme (DAS) is a legal debt management scheme for Scotland that helps people repay their debts with one affordable repayment.

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  • Trust Deed

    Trust Deed

    Scotland Only

    A protected trust deed is a legally binding arrangement in Scotland in which you make reduced payments over four years. At the end of this time, your unsecured debts are usually written off.

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  • Sequestration


    Scottish Bankruptcy

    Sequestration is a form of insolvency and may be suitable if you can’t pay back your debts in a reasonable time. Assets you own, such as your house or car, could be sold to pay off your debts.

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To find out more, simply call us today on our free phone number 0121 325 3800 or fill in the call back form and we’ll call you back.

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