Confidential online debt advice you can trust

What does our free debt advice include?

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You’ll get your recommendation on-screen straightaway – no need for a call back

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Complete our online debt advice tool at your own pace

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Prefer to speak to one of our experienced Debt Advisors – book an appointment

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Connect to your credit file so we can quickly gather details of your debts

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Understand what solutions are available to help you

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Explore the benefits, costs and risks of different debt solutions

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Receive a full breakdown of your debt advice by email

*Our advice is free, but if you sign up for a debt solution, a fee will apply for some solutions. 

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To find out more about managing your money and getting free and impartial debt advice, visit, an independent service set up to help people manage their money.

If you ever need our support in understanding the information you have read or been given, please get in touch.

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Find the right solution to your problem debts

We are a debt solutions provider, currently helping thousands of UK residents with unaffordable debt.

We can offer you complete and personalised debt advice online, with the option to enter a solution with Angel Advance if there’s one that suits your needs. If we can’t offer you a solution, we will let you know where to go for help.

Our team is here to help you, either through web chat, or on the phone, and you can request a call-back from a trained advisor at any time.

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Enter details of your debts and budget to receive an instant personalised recommendation

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Find the right debt solution and reduce monthly payments

How do you apply for a debt solution?

Before applying for any debt solution, from any provider, you first need to get debt advice. You should never start a debt solution without first knowing all the options.

It’s impossible to enter a solution with a regulated organisation without getting debt advice first, so any firm that offers to enter you into a solution straight away is probably unregulated and should be avoided.

Most providers will need you to book a telephone appointment so they can give you debt advice. These can be lengthy – usually an hour or more – and not everyone is comfortable discussing their situation with a stranger on the phone. At Angel Advance, we recognise that this can, for some people, be a barrier to getting help, so we have made getting debt advice as easy and stress free as possible.

Our online service allows you to complete debt advice completely online. You don’t need to speak on the phone unless you want to. You don’t even need to provide a phone number, just your email address so you can save your progress and we can email you a copy of our advice.

At the end of your enquiry, we’ll present you with your options, and let you know which one we recommend for you. You then have the option to apply for a debt solution online, or you can save your progress and come back later.

If you prefer to get debt advice over the phone, you can book a telephone appointment for a date and time to suit to you. We work hard to design our services to suit you and your needs. Talking about debt is never easy, so communicate with us in whichever way makes you most comfortable.

Frequently asked debt advice questions

If you can’t afford your payments and need a debt solution to help you reduce them, your credit file will be affected. However, if you’ve fallen behind with your repayments, this could already be happening. The impact to your credit file will depend on the solution you choose. Some solutions, like bankruptcy or an IVA will show on your credit file for 6 years and will prevent you from getting credit during this time; however, you will also be debt-free and able to rebuild your credit file from a clean slate.

The impact of a debt management plan will depend on how each of your lenders decides to report on your account. The immediate impact may be less severe, but your credit file could be impacted for longer.

The solution that these adverts are trying to sell you is an IVA, but the truth of the matter is that you’re only likely to get 80-90% of your debt written off if you go bankrupt. IVAs are not exclusive to these firms, and you shouldn’t consider entering one until you’ve had advice from an FCA regulated firm which can tell you about all the solutions available to you.

An IVA is a serious commitment and the firms advertising on Google make a lot of money by selling your data onto another firm that will offer you an IVA. Unfortunately, there are high failure rates amongst some providers (failing an IVA means it will be terminated and you’ll often owe as much as you did at the start) because the IVAs being sold aren’t suitable. You can only know for sure that it is suitable if you’ve had FCA regulated debt advice and discussed all solutions.

You should be aware that the level of write off in a solution, if any, will be based on the solution you choose and your individual situation. In an IVA, for example, it would be extremely unlikely for 90% of debt to be written off; 50% would be far more realistic.

Before choosing a debt advisor, check that they are regulated by the financial conduct authority to offer ‘debt counselling’ and ‘debt adjusting’. This means that they can give debt advice and offer debt solutions. If they aren’t regulated, they will only tell you about what they can offer which may not be the best option for you and may cause you further problems further down the line.

If you choose a solution that we can offer, subject to you being able to provide us with the information we need, we can contact your creditors straight away. We can let your creditors know that you’re getting help with your debts and ask for them to stop contacting you.

debt management plan administered by Angel Advance could be set up in a matter of days (sometimes on the same day you get advice). An individual voluntary arrangement or debt relief order will take a bit longer because there is a formal process to be followed – but we will still request that your creditors stop contacting you while they are being set up.

If you choose a solution we can’t provide, we can let you know how to proceed and give you a copy of the information we’ve collected, and our recommendations, to take with you and speed up any application you make elsewhere.

There may be things that you can do yourself to help with your debt problems, like budgeting for example. But if you’re going to need support in reducing payments and dealing with your creditors, how you do this will depend on a variety of factors such as where you live, the amount and type of debt you have, your assets, and what you do for work.

The most common solutions in England and Wales are Debt Management Plans (DMP’s)Individual Voluntary Arrangements (IVAs) and Debt Relief Orders (DROs). We offer all of these solutions in-house (no need to refer you elsewhere) and you can make your application online. There are similar debt solutions available for Scottish residents – which we also advise on and work with partners to provide.

For more information about debt solutions, click here.

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How We Help You

1. You can get confidential debt advice online or over the phone with us.

2. We’ll recommend the best solutions – completely based on your individual circumstances. We include every available solution in the UK.

3. If you choose a debt solution with us, then we take care of everything. We speak to your lenders and take care of all the paperwork, We do it all for you.

Popular Debt Solutions

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Our promise to you

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You are not alone

Millions of UK residents are currently struggling with debt. If you request help from our team, then you will only find compassion, experience, understanding and confidentiality.

Helping people with debt is their full-time job. Your wellbeing is at the heart of our service.

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No Hassle

You don’t need to provide a phone number or an address to get help. You just need to provide your email address and your name, and this is only so you can log back in and work at your own pace.

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Low Cost

We work tirelessly to bring down the cost of the debt solutions we provide.

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All The Facts

We will always give you all the information, clearly and as easy to understand as possible.

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Click retrieve saved details & continue your application

You can save your details and come back any time. Work at your own pace and edit/change your details until your situation is all accounted for. Help is at hand if you need it.