Learn about debt solutions and be connected with advisers.

We provide general information only and do not offer regulated debt advice





    We're Committed To Helping You Get Debt Guidence

    Start with 3 easy steps

    Complete our online form

    The first step always feels like the hardest, but you’ve come to the right place

    Talk to the Team

    Tell us about your situation, Our associates will tell you exactly what help you may be entitled to

    Take action

    We will provide you with general information about how our service works and, if you choose, offer to introduce you to one of our FCA-authorised partners for a no-obligation advice call. We do not provide regulated debt advice ourselves.

    Types of Debts & Much More

    See which debts may be included in a formal debt solution.

    Credit Card

    Loans

    Buy Now Pay Later

    Utility bills

    Overdraft

    Debt Consolidation Options

    Debt consolidation may help combine multiple debts into a more manageable repayment arrangement. We connect you with relevant debt solution providers who can explain the options available to you.

    Multiple debts.

    Potentially one repayment plan.

    Explore available options.

    Connect with a suitable provider.

    Our service helps you explore debt consolidation options and connect with providers who can discuss your circumstances and available solutions.

    Explore Your Options

    Get Started

    Answer a few questions about your circumstances and the type of debt support you’re looking for.

    Get Connected

    We’ll connect you with a relevant debt solution provider who can review your circumstances and explain the options available.

    You decide

    Review the options provided and decide whether you want to proceed with a solution that suits your circumstances.

    We’ve connected thousands of people with Regulated debt solution providers.

    Frequently asked questions

    Will a debt solution affect my partner?

    Not usually. If the debts are solely in your name, your partner’s credit file or finances shouldn’t be affected. However, if you have joint debts or shared financial agreements (like a joint loan or mortgage), your partner may be impacted. It’s important to speak to your advisor to understand your specific circumstances.

    Yes, you should continue making payments to your creditors until your debt solution is agreed and in place. Missing payments before then could lead to additional interest, charges, or enforcement action. Once your solution starts, payments will usually be made through your provider.

    Yes, most debt solutions will have a negative impact on your credit file and will be recorded for six years. However, if you’re already behind on payments or struggling with debt, your credit score may already be affected. A solution can help you take control and work towards rebuilding your credit over time.

    You may still be able to get a mobile phone contract or vehicle finance, but it could be more difficult. Lenders may see you as higher risk, so your options may be limited or come with higher interest rates. It’s best to speak to your provider before taking on any new financial commitments.

    All advice provided by UK Debt Expert is free. However, some debt solutions do include fees, and will be explained in full before you commit. 

    In most cases, no. However, some professions—particularly in finance, law, or roles requiring security clearance—may be affected. Check your employment contract or speak to your HR department if you’re unsure.

    Unsecured debt is borrowing that isn’t tied to an asset, such as credit cards, personal loans, or overdrafts. Secured debt, like a mortgage or car finance, is linked to an item that the lender can reclaim if you fall behind on payments. Most debt solutions only cover unsecured debts.

    It depends on your individual circumstances. Some people can write off a significant portion of their unsecured debt—sometimes up to 80%—but this varies based on what you can afford to repay over the term of your plan and is subject to creditor approval. A qualified advisor can help you understand what might be possible for you.

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