Three steps to a clear way forward
From first contact to a clear plan — simple, judgment-free and completely confidential.
- 6
- Up to 75%1
- No obligation
- UK-wide
The three steps
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. A qualified advisor there reviews your situation and explains all your options clearly.
Get your plan
A tailored debt solution that fits your budget and protects you from creditors.
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.
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're a UK resident with 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
- No credit check
- Takes about 2 minutes
- Confidential
Questions, answered honestly
Will this affect my credit score?
Entering a debt solution is recorded on your credit file. But if you're already missing payments, your score is likely affected anyway — and once your solution completes, you can start rebuilding.
How much could I write off?
Through an IVA, a significant portion of qualifying debt can be written off — in some cases 50% or more — but this is never guaranteed and depends on your circumstances. The exact amount comes down to what you can afford to repay and how much you owe.
Will my creditors stop contacting me?
It depends on the solution. In a formal solution such as an IVA, creditors included in it are legally required to stop contacting you directly once it is approved. A Debt Management Plan is informal, so creditors are not obliged to stop, though most deal with your partner instead. Whichever route you take, your partner deals with creditors on your behalf.
What does it cost to use UK Debt Centre?
There's no charge to you for using our form or for your first assessment — we're paid by the partner we introduce you to. You only pay if you decide to go ahead with a formal solution, and any fees are explained in full before you commit to anything.
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