Alternative Debt Solutions

Debt Management Plans

This scheme sets up an informal agreement with you as the client and your creditors. We agree a repayment schedule with your creditors that you can afford. The scheme is informal and designed to be flexible, but it’s important to know that creditors are not obliged to stick to the agreement terms (as they are with an IVA or bankruptcy).


If you can’t afford to repay your debts, this form of debt relief lets you write it off entirely. You may need to sell any assets that you own to repay your creditors. You’ll also need to pay any funds that you may gain over a period of time to your creditors too. Once the bankruptcy is carried out and completed, you can start your life again debt-free.

Debt Relief Order

If you have few assets, very little extra income and debt which is under £20,000 in value, then a DRO may be the right option for you. If you qualify then a Debt Relief Order will freeze all your debts for 12 months and if your circumstances have not changed in a year, it will completely write off all your debts. We can offer you advice according to your circumstances.


We can also provide budgeting guidance to help you to better manage your incomings and outgoings and assess your options for repaying your debts. Often, it is possible to find areas of potential savings so that you can meet your repayments and avoid the need to enter into a formalised debt management scheme. If the budget shows that you don’t have the ability to meet your commitments, then it provides an excellent starting point for us to review your next steps and help you to move forward positively.


Our specialist teams are  on hand to look at different refinancing options. We will look for the best options available to you based on your personal circumstances. If you have equity in your home then a remortgage or equity release might be an option for you or refinancing your existing debts may be a alternative solution to free up funds and repay your debts.

Why people choose us

I just wanted to write a quick note thanking you so much for all your kindness and hard work yesterday. You’ve been an absolute pleasure, and you made the whole situation so much less stressful for me. I was a bag or nerves picking up that phone call, and you had me smiling within the first few minutes.

I really appreciate how you listened to me.
I got into debt initially through a bad relationship, where I lent considerable amounts money to my ex and didn’t get it back, as well as investing a huge amount (a lot more than I could afford) into renovating a house, which then turned out not to be his. You didn’t once make me feel judged or humiliated – you demonstrated upmost compassion and understanding. You really made me feel that, after 3&1/2 years of battling and battling with this great monster of debt ( I have felt this debt permanently looming over me, ever in my thoughts, not allowing me to live my life or do anything at all to make my life enjoyable), that I am no longer alone in dealing with this. I feel like finally, I am on the brink of stepping out into the sun for the first time in so long.

You were incredibly concise in how you patiently talked me through all the different options available, the pros and cons of each of these options, and even how said pros and cons would effect my case personally. You answered every question I could throw at you. I had attempted to do my own research online and had been left just bewildered and confused – it seemed like a minefield to me and I was so anxious I would make the wrong decision and live to regret it. Feeling like I now understand the process, thanks to you, has lifted a huge weight off my mind.

You even managed all this with an injection of humour and personality. Thank you, from the bottom of my heart, I can’t exaggerate how life changing this solution will be for me. You’ve made the whole, stressful situation feel much easier for me.

A very satisfied customer!

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