In case you are experiencing pressure from your creditors, an Individual Voluntary Arrangement might be right for you (where all the people you owe money agree to you paying back a smaller amount in return for a fixed and binding monthly fee).

Maybe we can consolidate all our debt into one loan with a much lower interest rate. Also, we can talk to any of the people to whom you owe money to see if they will accept lower payments, lower interest or accept a lower amount to be paid off.

Having a DMP is a suitable approach in order to help you get rid of debt and rebuild your credit rating, by taking everything step by step.

We will listen to your debt problems, and help you to see if you have enough supplemental income from the Government or if there is anything that they can do to help as well.

Perhaps you have just too much debt and it is better for you to make a fresh start with no debt. Then we can look at Bankruptcy or a Debt Relief Order and help you through those processes so they don't have to be a worry.