Confidential help to write off what you can’t afford and become debt-free
Find out what solutions are available to you and start your journey to debt freedom.
Roughly how much do you owe?
- No-obligation consultation
- Fully confidential
- No hard sell
- 6
- Write off
- 60 months1
- No charge
Free, impartial debt advice is available from MoneyHelper, an organisation set up by government. Visit moneyhelper.org.uk.
A gentler way out of debt
There’s rarely one right answer. An authorised partner explains every option honestly — including the free ones — and helps you choose.
Individual Voluntary Arrangement
A formal, legally-binding agreement to repay what you can afford — the rest written off.
Debt Management Plan
One affordable monthly payment across your debts, arranged with your creditors.
Breathing Space
60 days of legal protection that pauses interest and enforcement while you plan.
Debt Relief Order
Low income and few assets? Write off qualifying debts after 12 months — with no application fee.
Bankruptcy
A genuine fresh start when other options aren't viable — most debts cleared in 12 months.
Trust Deed (Scotland)
The Scottish route to writing off unaffordable debt over a fixed term.
Three steps to a clear way forward
From first contact to a clear plan — simple, judgment-free and completely confidential.
Check your eligibility
Answer a few simple questions in about two minutes. No credit check, completely confidential.
Speak to an expert
We introduce you to an authorised partner. One of our friendly team will review your situation and explain all of your options clearly.
Get your plan
A tailored debt solution that fits your budget and protects you from creditors.
The sooner you act, the more options you have
Debt tends not to stand still. Interest keeps adding up, letters turn into calls, and arrears that could have been a manageable plan can harden into a default or a court date. That isn't meant to frighten you — it's simply why waiting usually costs more than starting.
You don't need it all worked out first. Checking your options takes about two minutes and it won't affect your credit score. What you do with what you learn is entirely up to you — including deciding to do nothing at all.
UK Debt Centre is operated by My Debt Help Ltd who are not authorised to provide debt advice. Upon completion of our form your details will be passed to one of our authorised debt solution partners who will review your financial situation, explain the available options and recommend a debt solution which is suitable for you. We will be paid for introducing you or for the preparatory work we do.
You don't need to have it worked out
Most people start with a rough idea of what they owe and a feeling that it has got away from them. That is enough to begin. You don't need statements, balances or a plan.
- It takes about two minutes, and checking won't affect your credit score.
- Nobody can promise you a date or an amount, and anyone who does is selling you something. What an authorised partner can do is explain, plainly, what is actually open to you.
- What you do next is yours to decide — including deciding to do nothing.
Your payments, dramatically lower
Move the sliders to see how a debt solution could cut your monthly payment. The right plan can also freeze interest and lower what you repay overall.
- One single, affordable monthly payment
- Interest and charges frozen
- Creditors dealt with on your behalf
- A clear end date
Estimated new payment £88 a month
£512
a month
Estimates only. Individual results depend on your circumstances and creditor approval — no outcome is guaranteed. Figures are illustrative and depend on your individual circumstances, based on a typical example of a customer who entered an IVA. If you own your own property the term may be extended. Alternative solutions may be available. Fees may be payable if continuing services are provided. Credit rating may be affected. Lenders are not obliged to accept less than the contractual payments, freeze interest and charges or stop further enforcement action.
Do you qualify?
Most people with £6,000 or more in unsecured debt can be helped. Here’s a quick check.
You’re likely a fit if…
- You owe £6,000 or more in unsecured debt
- You're struggling to keep up with minimum payments
- You have two or more creditors
- You have a regular income
It may not be right if…
- Your debt is mostly secured (mortgage, car finance)
- You owe less than £6,000 in total
- You can comfortably meet all minimum payments
- Your debts are primarily student loans or court fines
Built to treat you like a person
Too much of the debt industry treats people like numbers. Here’s what we do differently.
Nothing to pay us
Our form is free to use and you pay us nothing — we are paid by the partner we introduce you to. Any fees for a debt solution come from that partner, who sets them out in full before you commit.
A person, not a call centre
You talk to a qualified adviser at an authorised partner — someone whose job is to understand your situation, not read from a script.
A fast response
From your enquiry to a call from an authorised partner within 48 hours.
Every option explained
Our debt solutions partner explains every option in plain English — including the free ones — so you can decide with confidence.
Private & secure
Your details are encrypted and only ever passed to the authorised debt solution partner who reviews your case. GDPR compliant and ICO registered.
You'll be talking to a person, not a process
The hardest part is usually the first conversation. We don't have it with you — we introduce you to an authorised partner who does — but we'd rather you knew what to expect from it.
- No script, and no queue to get through first. Someone whose job is to understand your situation before saying a word about solutions.
- They'll ask what you owe, what comes in and what goes out — not how you ended up here. That part is nobody's business but yours.
- Then they'll talk you through what's actually open to you, in plain English, including the options that cost you nothing.
- You can take your time. Nothing is decided on the first call, and nothing starts until you say so.
The detail behind the introduction
Firm details
- My Debt Help Ltd
- 15590517
- Introductions to authorised debt solution providers
- ZB674528
Standards we hold ourselves to
- We are not authorised to give debt advice — we will explain the solutions available so you can make an informed decision
- We tell you plainly that we are paid for introducing you
- ICO registered for data protection
- We always signpost free debt advice, including MoneyHelper
We can help with debts from all major UK lenders
Struggling with debt? See your options in 2 minutes.
Confidential and non-judgmental. Start by telling us roughly how much you owe.
No obligation · Won’t affect your credit score