Write Off Your Unaffordable Debt.
There are a number of different ways you can tackle Problem Debt, So its important to understand your options and find one that works best for you situation.
RMS-Financial
One of the UK’s leading IVA debt help companies specialising in consumer IVAs.
We can help
We’ll take time to understand your situation.
We resolve
Once you’re ready, we’ll talk you through the IVA process and help make those important next steps.
We listen
When you’re in debt, talking about it can be hard. Our team will take the time to listen to your concerns.
Combine unsecured debt including:
See which debts may be included in a formal debt solution.
Credit Card
Loans
Buy Now Pay Later
Utility bills
Overdraft
Strategic Debt Consolidation
Debt consolidation merges high-interest liabilities into one structured loan, simplifying management and lowering interest rates.
Combining multiple debts.
One single payment.
Lower interest costs.
Faster principal reduction.
This approach bypasses compounding interest, accelerating your path to total financial recovery.
Expert advice without the wait
Get Started
Answer a few questions to let us know about what you owe.
Speak to an expert
Our expert will check your eligibility for all UK debt solutions.
You decide
Choose the best solution to manage what you owe that could lower monthly payments.
We’ve helped over 270,000 people deal with their debt
Top-Tier Finance Leadership
umer
Mar 17, 2026
Junaid- Senior Finance Manager help me…
“Junaid- Senior Finance Manager help me so well. So happy to have found this company. I am now well on my way to be able to sort out my finances. Hopefully will be able to put all my worries behind me. Thanks Junaid for the incredible help and guidance.“
Adrian Chin
Mar 17, 2026
I have a great experience with the rams…
Costica
Feb 19, 2026
It is an Amazing experience with the…
Nnamdi Owuamanam
Feb 17, 2026
Junaid has been really helpful in…
KellyAnne Bowers
Feb 16, 2026
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.
Should I still pay my creditors?
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.
Will entering a debt solution affect my credit rating?
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.
If I enter a debt solution, can I still have a phone contract or vehicle finance?
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.
Will I need to pay any fees?
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.Â
Will entering a debt solution affect my job?
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.
What is an unsecured debt over a secured debt?
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.
How much debt could I write off with an IVA or a Trust Deed?
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.