DEBT HELP! You're Not Alone

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Empower Your Financial Future with Tailored Debt Solutions
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Money Helper is an independent service set up to help people manage their money
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DEBT FREE It's easier than you think!

Your Debt Solutions

Regardless of your current situation, our experienced team stands ready to introduce you to the best debt relief strategies in the UK.

Debt Consolidation

Merge multiple debts into a single, manageable payment plan.

Debt Management

Let us negotiate on your behalf, streamlining your payments to creditors.

Debt Relief Order (DRO)

For those unable to repay, with minimal assets and debts up to £30,000.

Bankruptcy

A last-resort option for those looking to reset their financial situation.
POPULAR PLAN

IVA

Individual Voluntary Arrangement
An IVA is a popular solution that can write off up to 80% of debts with payments starting at just £90 per month. It will freeze all interest and charge and give you a clear date when you'll be debt free.
Legal Protection: Once an IVA is in place, creditors are legally bound to adhere to its terms. This means they cannot take further legal action against you or add additional interest and charges to your debts.
Affordable Repayments: IVAs are tailored to your financial situation, ensuring that you only pay what you can realistically afford over a fixed period, typically 5-6 years. This can result in a significant reduction in your monthly payments.
Debt Write-off: At the end of the IVA term, any remaining unsecured debts included in the arrangement are legally written off, providing you with a fresh start and the opportunity to become debt-free.
Learn More
SCOTTISH PLAN

Trust Deeds

Only available to people who live in Scotland
A Protected Trust Deed is a formal, legally binding agreement between you and your unsecured creditors.  You can set up an affordable repayment plan in the Trust Deed over a set period of time.
Legal Protection: Similar to an IVA, a Protected Trust Deed offers legal protection against creditor actions. Once approved, creditors are prohibited from taking legal steps to recover the debt or adding further interest and charges.
Fixed Repayment Period: Trust Deeds typically last for a fixed period, usually 4 years. After this period, any remaining unsecured debts are written off, allowing you to become debt-free relatively quickly.
One Affordable Monthly Payment: A Trust Deed consolidates your unsecured debts into a single monthly payment based on what you can afford. This simplifies your finances and eliminates the stress of managing multiple creditors and payments.
  1. Legal Protection: Similar to an IVA, a Protected Trust Deed offers legal protection against creditor actions. Once approved, creditors are prohibited from taking legal steps to recover the debt or adding further interest and charges.
  2. Fixed Repayment Period: Trust Deeds typically last for a fixed period, usually 4 years. After this period, any remaining unsecured debts are written off, allowing you to become debt-free relatively quickly.
  3. One Affordable Monthly Payment: A Trust Deed consolidates your unsecured debts into a single monthly payment based on what you can afford. This simplifies your finances and eliminates the stress of managing multiple creditors and payments.
Learn More
JOIN US We're ready to help!

Our Pledge To You

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Dealing with debt can be daunting, but it doesn’t have to be a solitary struggle. We're here to remind you that help, empathy, and viable solutions are always available. Reach out to us to uncover which strategy aligns with your goals and start your journey toward financial liberation.

Non-Judgemental Support

Your past decisions and circumstances are met with understanding, not judgement. We respect your dignity at every turn.

Personalised Attention

We recognize the uniqueness of your financial journey. That's why we tailor our approach to fit your specific needs, offering a truly personalised service.

Informed Guidance

Our specialists are equipped to provide you with the latest in debt management strategies, ensuring you're fully informed to make the best decision for your situation. Partnering with us may involve fees, but transparency is our promise to you.

Proven Experience

With a legacy of 15 years and numerous success stories, our experts are committed to reducing your debt and guiding you towards a life of financial wellbeing and joy.

Frequently asked questions

Embarking on the path to financial health is easier with the right support. We  offer compassionate, confidential guidance to guide your way. Together, we'll find the best solution for your unique situation, freeing you from worry and stress.
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Check out our customers
success stories
HAPPY CUSTOMER
An excellent company to deal with. All the staff are very professional and knowledgeable. Thank you for helping me, I feel a weight off my shoulders.
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Janey Brady
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The best thing I ever did was contact debt management plans. Thanks for helping me find a solution.
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Anton Brown
The advisor made me feel super comfortable talking about my debt problem. Thanks again, a massive help.
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Scott Miller
Now that I've sorted out my debt, I sleep better at night. Finally, I have my money under control.
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Vicky Vea
APPLY NOW What are you waiting for?

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