Use our free online process to determine:
Whether you qualify for Debt Management or
Whether you qualify for an IVA

Simply apply below for expert debt advice

Should I consolidate my existing debts?

We strongly recommend that you do not take out any kind of consolidation loan to cover existing debts that you cannot afford to repay. Too many people clear the debts with a loan, and then simply build the debts back up - this time with a large secured loan hanging around your neck. Secured loans are secured against your house, just like your mortgage, so if you can't keep up with those payments, then it is possible to lose your house to the loans company.

If you are at the stage of considering a consolidation loan, then please fill in your details below and allow one of our debt advisors to call you back and explain the different options available. Debt Management Plans and IVAs reduce the total amount of outstanding debt rather than add to it, meaning that you will be clear of debt much sooner than would be the case with a loan.


Application for Debt Help
Total owed (£)
* Don't include mortgages or secured loans
No. of creditors
* Minimum of two creditors required
Monthly Nett Income (£)
* Whole pounds only
Monthly Expenses (£)
* Exclude unsecured debt repayments
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Last Name
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Address
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Address
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* Or other contact number
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Nature of income
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Submitting this form will result in a no-obligation call from our team of professional
debt advisors if your debt fits our current acceptance criteria.


* Please complete all marked fields, to help us accurately analyse your options