Help with Debt

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

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Help with Debt

Angel Advance are expert debt advisors, authorised by the Financial Conduct Authority, offering professional debt help. We have helped thousands across the UK repay debts and get back on track.

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

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Find the right solution and reduce monthly payments.

Free Debt Advice

We know that tackling debt alone can be a daunting task for many. This is why we offer free, no obligation debt advice online.

Did you know that, before signing up for a debt solution, you must have received professional debt advice first? Our online tool will ask you questions about your current financial situation, such as income and outgoings. From this, it can determine the best debt solution for your unique situation. You have no obligation to then sign up at the end, but, if you choose to start your journey with Angel Advance, our advisors are on hand to help you through the process.

Debt Solutions

When seeking help with your debts, it is beneficial to understand the main debt solutions available.

Debt Management Plans

A Debt Management Plan (or DMP) can offer help with your debts if you require a more flexible solution. For a DMP, we would help you create a budget, mapping out your incomes and outgoings. Whatever is left over once your essential outgoings are paid (also known as your disposable income) will be used to repay your debts. Essential outgoings can include mortgage, rent, utilities or food.

Learn more about Debt Management Plans here.

Individual Voluntary Arrangement

Unlike the DMP, an Individual Voluntary Arrangement (or IVA) offers more regimented help with debts. The legally binding agreement allows you to ‘freeze’ your current debts whilst you pay them off. Any debts still standing after the agreed time period (usually 5-6 years) would be written off. The agreement is between you and your creditors (those you owe money to) and must be regulated by a licensed Insolvency Practitioner (IP).

Learn more about Individual Voluntary Arrangement here.

Debt Relief Order

If you need debt help but have a low level of disposable income or fewer debts, you may qualify for a Debt Relief Order (DRO). This is where your debts are written off however this solution is only available for those with little to no assets. For example, if you owe less than £30,000, or you have less than £75 disposable income a month.

Learn more about Debt Relief Orders here.

How We Help You

Get free, no obligation debt advice online with no phone call needed.
We only recommend the best solution for you and will never recommend anything which doesn’t fit your financial situation.
We take care of everything. If you choose Angel Advance, we can handle everything from solutions set up to communications with creditors.
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Frequently Asked Questions:

When seeking debt advice from us, you do not need to speak with a debt advisor. Our debt help tool can be used exclusively online, without the need for a phone call. All you need to do is fill out the questions, inputting your information. The questions will seek to better understand your financial position: your monthly or weekly income, how much you pay out in essential outgoings, any assets you own and the amount and type of debt you have. Using this, it can provide you with the best debt solution to help you repay your debts sustainably. However, if you would like to sign up to a solution our debt advisors are on hand to help you do this. If you would like to speak with an advisor directly, get in touch here.

Our debt advice tool is 100% free to use and so seeking advice on how to deal with your debts is free with us. However, if you choose to sign up to a debt management plan you will be charged a monthly management fee. To learn more about the cost associated with DMPsIVAs or DROs visit the information pages or contact our team.

When repaying debts, you must first pay off what are known as priority debts. These can include debts such as council tax, mortgages, rent, utilities or maintenance such as child support. If you have fallen behind on paying your priority bills, you must seek debt help straight away and let your creditor know you have fallen behind on payments.

Simply enquiring about debt solutions will not affect your credit score. However, if you agree to debt help and sign up to a solution, this will. Almost all debt solutions, including DMPs, IVAs and DROs, will have an impact on your credit score. However, being indebted to your creditors will also be having a negative impact. If you have kept up with IVA or DMP repayments, this can be viewed more favourably than the original unpaid debt.

Debt consolidation is the act of taking out a second loan in order to repay all existing loans. In doing so, you can only take a debt solution out on the one consolidation loan. Although this may seem like adding debt on debt, it can come with many benefits. For example, it can be easier managing one large loan compared to multiple smaller ones and could improve your credit score. Find out more about debt consolidation here.

For most individual debts, it is not a legal requirement to tell your partner you have sought help with debts. However, it is often better to tell them about the debt and debt help received. Entering into a debt solution shouldn’t affect your partner unless you have joint assets, or it is a joint debt. If it is a joint debt, both parties are liable for the whole amount.

Get Debt Help

If you would like to get help with your debts, use our online tool here or contact our debt advice team here.

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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.

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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.