Free Debt Advice England

We are a debt solutions provider in England currently helping thousands of people with unaffordable debt.

Debt solutions provider in England

We are a debt solutions provider in England currently helping thousands of people with unaffordable debt.

We can offer you free, no obligation and fully confidential debt advice online. There is also an option to enter a debt solution with us if there is one that suits your needs. If we can’t offer you a debt solution, we will let you know where to go for help.

Our local, professional team is here to help you. Whether it’s through web chat, on the phone or by requesting a call-back, our trained advisors are waiting to provide expert debt advice in England.

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Debt advice in England

Before you apply for any debt solution from any provider, you need to get debt advice. This allows you to know all the options and get started on the best debt solution for you. In fact, if a debt firm does offer to enter you into a solution before seeking advice, it is likely they are unregulated and should be avoided.

Although seeking debt advice is necessary to enter a solution, we know it isn’t easy. That’s why our debt advice in England is done in complete confidence via our online tool. That means you don’t have to speak on the phone unless you want to – all you need to provide is your email address so we can email you a copy of your advice. That being said, if you would prefer 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 debt services in England around you; so, whichever way you’d like to communicate, we’re ready to help.

Our debt advice in England is also no obligation meaning you don’t have to enter into a solution.

Debt advice in England

There are many debt solutions available in England, designed to help individuals who are facing financial difficulties. The debt solutions we provide in England are:

How to apply for a debt solution in England

Once you have completed our online debt advice, we will present you with debt solutions available to you and let you know which is recommended. You can then apply for your chosen solution online, or you can save your progress and come back later if you need time to consider your options. Alternatively, if you would like more information before applying for a debt solution you can book a telephone appointment for a date and time to suit you with a debt advisor.

Frequently asked questions about debt solutions in England

Will a debt solution affect my credit rating?

If you take out a debt solution in England, 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 debt 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.

What are ‘government-backed’ debt solutions in England which offer debt write off?

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 in England, 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.

How long do solutions take to setup?

If you choose a debt 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 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 debt 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.

What other options are there?

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 are debt management planIVA’s and DRO’s. We offer all of these solutions in-house (no need to refer you elsewhere) and you can make your application online.

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.

Our promise to you

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.

Low Cost

We work tirelessly to bring down the cost of the debt solutions we provide. The more we drive down costs – the quicker our clients get debt free.

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.

All The Facts

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

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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.

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