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UK Debt Advisers

We offer unbiased, non-judgmental, confidential, free, ethical debt advice - on all aspects of debt.

We're trusted by the Ministry of Defence (MoD) and the Soldiers, Sailors, Airmen and Families Association (SSAFA Forces Help, Kent Branch) to advise their members on debt problems, in full confidentiality, so you can be assured we'll put your interests first. Our debt advice is available to serving forces members and civilians alike.

In many cases, we will be able to advise you how to manage your own debt more effectively and without incurring any further costs. For instance, if you're running your bank account in constant overdraft, then you're already spending far more for everything you purchase than you could be. We can explain the simple mathematics behind that, you might be amazed to hear how much your overdraft is actually costing you.

There are other solutions, which will prevent such unecessary overspending, our advice will be invaluable in this regard.

Take our professional, ethical advice before you consider actioning either an IVA, declaring yourself bankrupt, taking out a consolidation loan or other method.

To see at a glance the solutions available for your specific situation, click here.

Consolidation loans.

Before you take out a consolidation loan, be aware that this is actually the correct solution for only around 1% of those in debt.


An IVA is not necessarily the correct solution for your particular circumstances, though many debt advice agencies will "shoehorn" debtors into one at the first opportunity. Why? Because that is most profitable for THEM believe it or not.

We'll make a promise to you: "We'll never offer a solution to you based on the profit WE can make from it."


Bankruptcy is not always the best answer either. Both IVA and bankruptcy can have serious repercussions both at the time and later. However, in certain circumstances and for a small percentage of cases, one or the other may actually be the best solution. You may need to take professional advice to ascertain which is best. We can advise you about the options.

Debt Management.

Debt management companies, in the main, do just that - manage your debt for you - for a fee. This doesn't make your problem any better, it merely spreads it out over a longer period and in the long run, with more to pay out in removing the increased amount of debt - plus their management fee.

To see at a glance the solutions available for your specific situation, click here.

  • Mr H from Solihull writes

    "What would I do without you? Well done and thanks again."

  • Mr & Mrs A from Tewkesbury wrote:

    "We would like to thank you both very much for the handling of our financial situation and for making our lives so much easier. We were extremely impressed with your professionalism and knowledge of the system, and the way in which you both gave us advice and guidance throughout the negotiations – always there to answer our questions and put our minds at ease.

    We are thankful that a satisfactory agreement was reached and that we can look forward to the future with new enthusiasm. This could not have been done so swiftly and hassle-free without you both. Thank you.”

  • Mark S from Canterbury writes

    "Wally, your advice has been invaluable. I hadn't realised how much extra money everything was costing me due to the bank overdraft and my outstanding credit card bills. Now that I've cleared both, it's very much easier to stay within my budget. A simple bit of free information you provided to me has changed my life."

  • Mrs J from Sheffield writes:

    Hi Wally, Just wanted to say many, many thanks for helping me get my IVA. This really is a fresh start for me now in every way. I feel very, very lucky and grateful that I picked up the phone all those months ago and spoke to you that day. You were always very positive which helped me a lot and you never judged me. You really do help change people’s lives for the better.”


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Join twitter too please and perhaps add a thanks note.



Friday November 04 2011
  Personal insolvencies fell slightly in the third quarter of 2011, according to the Insolvency Service,...
Thursday June 02 2011
The Financial Services Authority (FSA) has announced a raft of measures to stamp out shoddy...
Thursday June 02 2011
  Online stores are charging shoppers almost twice the rate of major credit cards when they...
  • ask our expert

    County Court Judgements

    If you fail to pay a creditor and don’t reply to their reminders there are several things that they can do.

  • ask our expert 

    Credit Cards

    For a great many of us the money runs out before the month does and then the temptation to use our credit cards to pay the bills kicks in.

  • ask our expert

    Bailiff harassment

    Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970.


Did You Know

  • According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.

    Britain's personal debt is increasing by £1 million every four minutes.