Debt Problems

Transformed over 63,587+ individuals lives. Getting them DEBT FREE and Back on Track!

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What DebtSettlers will help you achieve:






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Debt Advice
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Please remember this is just an information tool.

We will always recommend you to speak to a debt advisor for the most appropriate way to resolve your debt problems.

Are You In Financial Hardship? - DebtSettlers Offers Solutions

Debt Solutions

If you are getting letters and calls chasing you for money and your creditors are not happy with your payments.

If your payments towards your debts are causing you to struggle to pay for food, heating or day-to-day basics then you have a financial problem.

If you have missed or made one single late payment to your creditors, your credit rating has already been affected.

If you have to keep using payday loans, pay interest only or taking out further loans then you need help.

If you are paying your creditors each month but the balances are not coming down then this is clearly a problem.

You Are Only One Click Away To Get Out of Debts

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Is Debt Help Expensive and Confusing? How Do I Know I am Getting Good Advice?

We welcome feedback from our new and existing clients. Your satisfaction with our service is the core of our Best Advice Guarantee. We are always looking for new ways to help you get debt free sooner. All of the advice we give you is strictly FREE and there is no obligation to go ahead with any solution recommended. Some solutions may require fees to be paid – some fees go directly to the court and some go to the company you owe. To get specific information on costs speak to one of our debt help advice specialists today.

Why Our Customers Choose Us And Stick Around!

We asked our valued customers for feedback and were swamped with responses about our services

During university I raked up over
£5000 worth of debt on my credit
card. I always paid my minimum
payments but never seemed to
get anywhere.I found DebtSettlers
while searching for a solution online.
DebtSettlers helped me through that
stressful time and now I am paying
one low monthly payment. Thanks
to DebtSettlers my life seems
simple again.
Catherine Rayner

Debt Advice

We recently received a CCJ on a debt, which was very worrying. I contacted you for help and I would like to sincerely thank you for your guidance and support with this delicate matter. You were extremely polite and helpful.

Gordon Smith

Debt Help

Debt Settlers have given me peace of mind that everything is being dealt with and taken all the pressure away. It's good to know that someone out there is willing to help. Thanks for the advice given.

Stephanie McAuliffe

Debt Solutions

My credit cards were maxed out and my debts were out of control.
Constant phone calls from credit
card companies and countless sleepless nights. A friend referred me to debt settlers and they put everything into perspective and came up with a simple monthly payment which I could afford. Thank you so much for giving me my life back.

James Alderwick

Debt Problems

How To Become Debt Free - Financial Freedom

We Won’t Tell Your Partner, Your Family, Your Friends or Your Boss That You Are Struggling!

We offer the most discreet and confidential advice. We don’t sell or share it to third party companies. Our service is all about your needs. We are also monitored by the Office of Fair Trading (OFT) and Financial Ombudsman Service (FOS). We follow strict guidelines to ensure we provide the best quality advice and service to you at all times.

How DebtSettlers Can Help You - in 3 Easy Steps

Debt Help

Imagine what it would feel like to have "the weight off the world" taken off your shoulders. We can help, no matter how bad you feel your circumstance is. We know how anxious and harassed you feel. We can help to ease these feelings, in 3 easy steps:

Firstly, you need to face your debts - head on. Write down a list of exactly who you owe and how much – include everything you are behind on paying. Write down your wages and any benefits and what you pay out. Be honest. Our highly trained debt advice specialists will need this information to help you.
Next, we will arrange a time to suit you for an informal chat. We will give you FREE no obligation debt advice. We will help you size up your options. You will be amazed how easy it is to pay off your debts in a realistic time frame. We make sure payments are affordable. Some debt help solutions have fees payable – in all instances we are 100% transparent about the costs.
Finally, we will let YOU decide the next steps. No pushy sales people – just straight forward, honest advice. Our Best Advice Guarantee means we only recommend debt solutions suitable and helpful for you. DebtSettlers helps people become debt free! (Check out our great client testimonials below to see what our customers have to say about our service!)
Debt Help

Financial Worry?

If you are tired of financial worry get some FREE
debt help now by completing the 30 Second Debt Test.

Debt Help
Get Out of Debt Now

“You cannot spend your way out of recession or borrow your way out of debt.”
Daniel Hannan (British journalist, author & politician)

Do you know what your options are? Do you know what debt help is out there for you?
Don’t worry, we do.

Our Best Advice Guarantee means we only recommend debt help solutions which will improve your current circumstances. We won’t offer you a consolidation loan – we believe taking out additional credit to pay existing ones will not lead to your financial freedom.

We offer advice about all the best debt solutions available to you. You may have heard of all kinds of debt solutions, “new” government legislations and ways to get your debt written off that sound too good to be true.

Some of the information you have heard is misleading or simply not true. There are a number of different debt solutions available – you will not qualify for all of them. We know the internet is full of conflicting and confusing advice. We cut through all the jargon and only recommend a solution that will get you debt free. The FREE advice and solutions we deliver include:

Debt Management Plan

Debt Management Plan (DMP)

An informal arrangement where you make monthly payments to your creditors. Interest and charges are frozen or reduced where possible to help you clear your debts as quickly as possible. read more...

Individual Voluntary Arrangement

Individual Voluntary Arrangement (IVA)

A legally binding arrangement between you and your creditors. You make monthly payments and it usually lasts for 5 years. At the end of the agreement any unpaid debts are written off. read more...



A court order is issued declaring your bankruptcy and you must follow the restrictions set. The court has to agree to the order and you will lose any assets, such as your house. read more...

Protected Trust Deeds

Protected Trust Deeds (Scotland)

A formal arrangement for residents of Scotland. Similar to an IVA but it typically lasts 3 years. Any unpaid debts will be written off at the end of the period. read more...

Full and Final Settlements

Full and Final Settlements

Informal agreements made with creditors where a reduced amount is agreed to settle the debt. Discounts on your balance can range from 30-70%. read more...

We have provided more detailed information about each of these solutions on our website, but it is not specific to your needs. The debt help our specialist advisers will give you is tailored to your unique situation. Have a look at the different solution’s pages for more information. Our debt advice team will discuss the qualifying criteria with you in more detail (i.e. debt level, payment amount, timescale, assets etc) Free debt counseling and advice is also available from the money advice service available at: