Debt Management

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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.

Debt Management Plans

A Debt Management Plan (DMP) is used to reduce your payments into one affordable amount.

You can arrange a plan with creditors yourself, through a licensed debt management company for a fee or through a charity.

The company works out your monthly payments. You’ll have to give details about your financial situation, e.g. your assets, debts, income and creditors.

Get more information on debt managed to see if its the right plan for you.

As the plan is flexible you can review your monthly payments if your circumstances change.

Your credit rating will be affected as your creditors may issue default notices.

How can National Debt Advice Help?

National Debt Advice connects you to a partner company which is an FCA authorised Debt Management provider. As part of their processes, they will discuss all possible options with you, to enable you make an informed decision on the option that is best for you.

Get more information to see which plan is best suited for you.

Debt solutions available

Answer a few questions and see what solutions are available.

Find out more

Other Potential Debt Solutions

Designed to put you back on track


A good solution if your debts are over £5,000, an IVA can help clear up to 81% of debts

More info

Debt Management

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

This page


Help if you have little or no disposable income

More info

Debt Relief Order

For those with little spare income and low value assets

More info

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. is not affiliated with the Charity National Debtline run by The Money Advice Trust ( 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.