Choose the debt solution that fits your situation. Our experts guide you every step.
IVA
Write off up to 81% of debt. One affordable monthly payment, interest frozen.
- • Legally binding
- • 5-6 years
- • Remaining debt written off
Debt Management Plan
Affordable payments, creditors handled for you, no more calls.
- • Informal agreement
- • Interest & charges frozen
- • Single monthly payment
Trust Deed
Scottish residents: protect assets, affordable payments, debt written off.
- • 4 years
- • Home protected
- • Unaffordable debt written off
Debt Relief Order
Under £30k debt? Low income? Write off debt in 12 months.
- • £90 fee
- • No creditor contact
- • Fresh start
Bankruptcy
Severe debt? Start over in 12 months. Assets may be sold.
- • Debt written off
- • Creditor protection
- • Asset consideration
Debt Arrangement Scheme
Scottish DAS: repay in full at affordable rate, interest frozen.
- • Government backed
- • Interest frozen
- • Asset protection