Check If You Qualify

Get a plan to deal 
with your debt

Free debt advice to see if you could:

  • Lower your monthly payments
  • Freeze interest & charges
  • Protect your home & assets
Check If You Qualify

Get a plan to deal 
with your debt

“Consolidate your debt, reclaim your peace. One affordable payment is all it takes.”.

  • Slash your outstanding debt—clear up to 80% of what you owe
  • Legally freeze interest and stop creditor contact.
  • Get your debts under control
Check If You Qualify

Reduce Your Monthly Payments

Stop the stress of managing multiple bills. Consolidate your unsecured debts into a single, stress-free monthly payment, tailored specifically to what you can actually afford after your living costs





    Money Advice Ltd

    We are Money Advice

    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.

    Strategic Debt Consolidation

    Strategic debt consolidation involves the systematic integration of multiple high-interest unsecured liabilities, such as credit card balances and personal loans, into a single, structured financial instrument. By centralizing these obligations, a borrower can achieve greater administrative simplicity and, more importantly, secure a lower weighted-average interest rate. This expert-led approach is designed to accelerate the path to debt-free status by ensuring that a larger portion of each monthly payment is directed toward principal reduction rather than compounding interest charges.

    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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