Write off up to 81% of your debt*

  • Stop interest, charges and bailiffs
  • One affordable monthly payment
  • Write off up to 81% of debts*

We are here to help you explore all the options for you to regain control of your finances and become debt-free. We’ve helped thousands of customers become debt-free. You are not alone, millions of people suffer from debt problems. Complete our form to get free no-obligation debt help from one of our trained advisors.

How much debt do you have?

Roughly how much unsecured debts do you currently have? We can run a quick calculation to see check the amount of potential debt you could write off.

Potential Debt Solutions

When we contact you, we will run through some information about your debts and your current situation. This allows us to provide advice on all of your available options for dealing with your debts. You can then decide what you think is the best way to proceed. Below is some information on the solutions available.



Help if your debts are over £5,000. An IVA can help clear up to 81% of unaffordable debts

  • Make affordable monthly payments
  • Usually lasts 60 months
  • Recorded on a public register
  • Credit rating will be affected
More info

Debt Management


Help if you have debts of £2,000 or more. Reduce monthly payments

  • You’ll only pay what you can afford
  • One monthly payment
  • Creditors may still contact you
  • Creditors may still take further action
More info


£680/one off

Help if you have little or no disposable income

  • Unsecured debts will be written off
  • Interest and charges are frozen
  • Credit rating will be affected
  • May have to sell home
More info

Debt Relief Order

£90/one off

For those with little spare income and low value assets

  • Low-cost alternative to bankruptcy
  • Freeze debt payments for 12 months
  • You can't apply if you're a homeowner
  • DRO will appear on a public register
More info

Find the debt solutions for your unsecured debts

We can help consolidate debts into one monthly affordable repayment plan with the UK biggest creditors.

See if you qualify

What debts are you most concerned about?

We can help with all types of unsecured debts

Credit Cards

Payday Loans

Store Cards


Personal Loans

Lines of Credit

Business Debt


Debt solutions

Money Helper is an important service set up by the Government. They provide free debt counseling, debt adjustment and credit information.


We specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland. We do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions.


Sarah North is authorised in the UK to act as Insolvency Practitioner by the Insolvency Practitioners Association


National Debt Advice (UK) is a trading name of Abbotts Insolvency Ltd. Registered Address: Sandfold House, Sandfold Lane, Levenshulme, M19 3BJ. Tel: 01625 801007.


We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.

We are a fully licensed and regulated insolvency practice specialising in the provision of Individual Voluntary Arrangements (IVA’s). In 2020 we helped over 500 people successfully enter an IVA and supported a further 2,700 people by referring them to a fee free or charitable debt advice service provider.

*The amount of debt write off is based on your own personal circumstances.
As of 28th September 2021, 37% of customers are estimated to write off 81% or more of unsecured debts included in the IVA.

nationaldebtadvice.uk is not affiliated with the Charity National Debtline run by The Money Advice Trust (nationaldebtline.org) or Money Helper (formerly The Money Advice Service) which is a free service et up by the Government to help people make the most of their money. If you would like to learn more click here. The Insolvency Service, an independent government agency, provides guidance on dealing with your debts. To access this guidance please click here.