Debt Advice England

Confidential debt advice services

The UK Insolvency Helpline Debt Advice Service covers; England, Scotland, Northern Ireland and Wales. If you have debt problems, our expert advice could help you get back on your feet.

If you are worried about debt and you live in England, Scotland, Northern Ireland and Wales, then Money Advice Direct can provide you with confidential advice and support. For immediate help call 0800 074 6918 for debt advice to suit your individual circumstances.

Whatever debt worries you're going through right now, chances are with our debt advice we can help - just as we have done for the many  who have contacted the advice team since the service began.

Finding the right debt solution for you in England, Scotland, Northern Ireland and Wales. Thousand of individuals and businesses are seeking to declare themselves bankrupt in a bid to write off their debt every day.

The good news is that there are alternatives such as:

Individual Voluntary Arrangements (IVA) for debt in England, Scotland, Northern Ireland and Wales

The IVA was established by the Insolvency Act 1986 and constitutes a formal repayment proposal presented to a debtor's creditors via an Insolvency Practitioner. Usually (but not necessarily) the IVA compromises only the claims of unsecured creditors, leaving the rights of secured creditors largely unchanged. An IVA is ideal if you have been refused loans to clear debt.

Debt management plans for debt in England, Scotland, Northern Ireland and Wales

A debt management plan is an arrangement with your creditors to pay back the debt by regular instalments. Instead of you speaking to your creditors yourself to arrange the plan, a Debt Management Company (DMC) does it for you. Usually you have to pay for this service although there are some DMCs who will do this for free.

Bankruptcy for debt management help in England, Scotland, Northern Ireland and Wales

For debts over £750Bankruptcy is an option that often has to be considered when an individual cannot pay their debts as they fall due. A first time bankrupt with debts will generally receive their discharge one year after the date of the bankruptcy order. If you have been refused loans to clear debt then bankruptcy may be the only option.

Helping you get out of debt by budgeting England, Scotland, Northern Ireland and Wales

• Budgeting gives an accurate picture of your financial position. It will almost certainly demonstrate that money is not being spent according to the priorities and will highlight where changes in spending habits can be made and, possibly, where savings can be made.
• Budgeting also helps make money go further. The fundamental aim of Budgeting is to ensure that basic needs are met and that, where necessary, steps are taken to get you out of debt.
• A budget can be a very effective brake on large impulse spending.
• Budgeting can help prevent the running up of debts to the point where contractual payments can no longer be maintained.

Debt advice you can trust in England, Scotland, Northern Ireland and Wales

The staff at The UK Insolvency Helpline have been helping people achieve their financial goals since 2000. The organisation was launched with the objective of meeting a long-standing need for a debt and credit advice designed for people who were frustrated with their debt situation and looking for a simple way to get out of debt quickly, as well as lower their monthly payments without having to qualify for a consolidation loan.

To contact an advisor about debt problems in England, Scotland, Northern Ireland and Wales please call 08000 074 6918. Alternatively, complete an online enquiry form and an advisor will call you back at the time that you specify.

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