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Please remember, this is just an information tool. We would always recommend you speak to a debt advisor for the most appropriate way to resolve your debt problems.
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Debt management advice

Speak to an expert adviser now on 0800 195 2911. Call us for confidential, no-obligation advice.

Our plan could be the ideal way of turning your loan, credit card, store card and overdraft payments into a single monthly payment (tailored to your circumstances), so you can repay your debts and get on with your life.

Apply online or call today on 0800 195 2911 and find out if debt management is right for you.

We'll talk to your creditors and aim to negotiate reduced monthly payments you can afford.

You'll have your own expert helping you every step of the way - right up to the day you've repaid your debt.

Get expert debt advice on 0800 195 2911
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Conditions Apply. Repaying debt over a longer period may increase the total amount to be repaid. Fees payable when continuing services provided. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Telephone calls may be recorded for training and quality purposes. Calls to 0800 numbers from BT landlines are usually free, calls from other networks may vary and you should check with your network provider for full details of your service.

Apply for our debt management plan

Our debt management plan could be the best way for you to lower your monthly payments to an affordable level.

We could help you to manage your unsecured debts, giving you just one reduced payment to make per month. With our debt management plan - once it's agreed with your unsecured lenders - all you'll need to do is make one affordable payment to us every month, and we'll deal with the rest.

As a result, you should be confident you're repaying your debts in full at a realistic pace - allowing you to tackle your debts and get on with your life.

To apply, start by using the form at the top of the page to find out whether debt management is right for you.

What's involved with our debt management plan?

Our debt management plan is a new repayment plan, which, once agreed, could help you get on top of your debts with monthly payments you can afford.

If you enter a debt management plan with us, we will:

  • Negotiate for lower payments with your lenders on your behalf
  • Deal with any letters and phone calls from your lenders
  • Provide an expert point of contact throughout your plan.

With our debt management plan, you'll get your own Personal Finance Manager, who'll be on hand to answer your questions and deal with any issues that come up along the way - so you know you'll be in expert hands.

If your unsecured lenders agree to a debt management solution with us, all you'll need to do is make your new, reduced monthly payment to us, and we'll handle the rest. Then you'll continue to make these payments until you've either repaid your debts in full, your circumstances have changed, or until you can make your original payments again.

What does our service offer?

If you're looking for a professional debt management service, we could help you.

We're committed to helping you find the best way out of debt problems, with a few simple steps:

  • We'll make sure debt management is right for you One of our expert advisers will talk you through your financial situation in confidence, looking at all your financial commitments and your monthly income and outgoings. We'll only recommend a debt management plan if it's a suitable solution for you - and if it isn't, we can help you find an alternative option.
  • We'll negotiate with your lenders for lower payments Once we've worked out how much you can reasonably afford to repay every month (taking into account your essential costs), we'll contact your lenders - so you don't have to.
  • We'll do everything we can to get your plan accepted We have the long-standing experience and expertise to negotiate with your lenders, and we'll do our utmost to get your debt management plan approved. In many cases, we're also able to get interest and charges frozen on your included debts.
  • We'll deal with your unsecured lenders for you Once your debt management plan is in place, we'll ask your lenders to direct any letters and phone calls to us, so you can send us any post you receive and get on with your day-to-life.
  • You make just one affordable payment per month All you'll have to do every month is make a single payment you should confidently be able to afford, and we'll send the agreed amounts on to each of your lenders.

Is our plan right for your circumstances? Get advice today

We're dedicated to providing professional, stress-free debt management help and advice, so you can be confident that you'll find the best approach for you.

We understand that debt problems come in all shapes and sizes - and everybody's situation is different.

Our debt management advisers can discuss your finances with you and explain the different options available, so you can decide on an approach you're happy with.

If debt management is the most appropriate solution for you, we can give you expert help with managing your debts - so you can get back in control of your finances at a pace that's realistic for you.

Debt management FAQs

If you have a question about debt management that you want answering, we could help you get the information you need here.

From how long a programme lasts to how much you'll pay overall, we have common debt management questions covered.

Debt management pros & cons

When it comes to finding the most suitable way of dealing with your debts, it's important that you know the full picture.

All debt solutions come with advantages and drawbacks - and debt management plans are no exception. We can give you a clear idea of exactly how debt management will affect you, so you can make a decision with all the facts in mind.

Our online debt management portal

If you agree a debt management plan with us, you'll have 24/7 access to our online debt management portal, so you'll be able to see exactly how your plan is doing with just a few clicks on your laptop, PC or mobile.

You'll be able to log in and keep an eye on your balance, check your payments and your arrangements with your lenders, update your details and much more. And even better, you can access the portal at any time of night or day - so you can get the help you need whenever it suits you.

UK: which locations do we cover?

From our Manchester-based solutions centre, we help hundreds of debt management clients across the UK get the help and advice they need.

Even if you don't live in England, Wales or Northern Ireland, we could still provide the debt help you need to get you back on track. We offer a range of Scottish solutions which, depending on your circumstances, could help you - so whatever part of the country you live in, don't hesitate to get in touch.

Living in Scotland? We can help

Do you live in Scotland and are looking to find a suitable way of managing your debts? If this is the case, Scotland has its own debt solutions that could help you.

If you need to lower your debt payments to a level you can afford and you're a resident in Scotland, you could set up a standard debt management plan with your unsecured lenders. However, there's also the Debt Arrangement Scheme (DAS), an approach backed by the Scottish government, which is designed to help borrowers repay their unsecured debts with manageable monthly payments.

Whatever approach you need, we could help you. We could help you to decide whether the Debt Arrangement Scheme is right for you - or whether another Scottish solution (such as a Trust Deed) would be more suitable. We'll take an expert look at your finances and recommend the best approach for your situation.

Why us? Why choose us over other companies?

Our professional debt management services are provided by one of the UK's leading debt management companies, which is part of the Think Money Group. Our debt management provider has almost 20 years' experience helping people deal with their debt problems - and is one of the largest and longest established debt management companies in the UK.

Since 1993, we've helped hundreds of thousands of people to put their debt problems behind them and move forward with their finances.

We aim to offer the best debt management service to our clients, so if you're looking for expert help with your finances, we could provide the solution you need.

Reviews: read reviews from our clients

We help people every day to find the best way out of debt problems - and our results speak for themselves.

You can click here to read our debt management reviews from our clients, and find out exactly how our debt management plan helped them.

Tools & Guides

If you want some extra help and advice with your debts, then look no further.

Our debt management calculator could help you find out what debt help might be available to you, by answering just a few simple questions. An expert will get in touch to discuss the results of your debt management calculator. We'll help you explore your options and give you a basic idea of whether or not a debt management plan could be right for you.

Our debt management guides could also help you find the answers to your debt management questions, so you'll have a clearer idea of what step to take next.

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