Free Debt Help and Debt Advice

Debt Solver is a member of DRF (Debt Resolution Forum). The Debt Resolution Forum promotes professional standards for resolving debtors' financial problems, focussed on the quality of advice provided to consumer debtors by all DRF members.

"Mike owed £15,040... He's now paying £255 a month instead of £500."
Mike

"Neil owed £30,526... He's now paying £255 a month instead of £908."
Neil

"Jessica owed £38,510.86... She's now paying £492 a month instead of £1272."
Jessica

Debt Advice

The UK is in bad financial health.

Personal unsecured debt currently stands at a massive £231bn.
If we include mortgages and other secured lending, this grows to £1,449bn. That's over 1.4 trillion pounds.
Estimates suggest this figure is still growing, by £1m every 7.3 minutes.

Unsecured debt includes your credit cards, store cards, overdrafts and other borrowing without collateral. Secured debts are those that use an asset as collateral, like your home or a car loan.

Debt problems start when you are unable to manage the repayment of your loan. When this becomes difficult, it’s a sign of unhealthy finances and that’s the time to talk to a professional.

What causes Debt?

Contrary to the stigma surrounding unhealthy finances, it’s actually very few people who face debt problems through carelessness or reckless spending. For most, the cause of their debt problem is unexpected. The majority of people work hard and live within their means but become trapped in debt because they lose their job, fall ill or are faced with some unforeseen expense. In these circumstances, the ease with which you can attain credit can make it a very tempting prospect, particularly with a family to feed and bills to pay. Before you know it, you’re in dire need of financial first aid.

So what are the warning signs?

You find yourself missing a few repayments or other bills.
You only seem to be able to make the minimum payment amount each month
You’re using credit to make repayments to other creditors.

If these symptoms of bad debt persist...

Your creditors will start chasing you for payment.
You’ll find that extra fees and late payment charges are adding to your total debt.
Your poor financial health will start to affect your physical health./div>
You’ll feel added pressure on your personal relationships.

Leading to the serious effects of financial ill health...

Your creditors are chasing repayment through the courts, resulting in CCJs or bankruptcy.
Your Physical and Mental Health are severely affected by the stress of bad debt.*
Your relationships are under increased strain, leading to break up and divorce.

To help you recognise these symptoms of financial ill-health and diagnose your mounting debt problem, this section of the site will provide you with information, articles and advice on the causes, effects and treatment of your debt. Articles are dated and were correct at the time of publication.

Use our wizard to find the right debt solution for you

* NHS direct states that money issues are a common cause of stress.

The figures quoted on this page are from Credit Action's September 2008 report.

Request a call back from one of our consultants

First name

Last name

Home phone number

Mobile number

Postcode

Email address

Total unsecured debt

Are you a home owner?
yes No

Equity amount

When should we call you:

I accept the Privacy Policy

Is debt management the right solution for me?

Could you write off some of your debts with an IVA?

Is Bankruptcy the only debt solution available for me?

7 Card Tricks to Deal with your Debt
yourself of bad debt isn t going to happen by magic There s no quick fix ...

Financial Fallout – See the Signs
are the ten early warning signs that point to impending debt disaster Be sure to look ...

The Five-Step Plan to Clear Debts
this five-step plan from the dedicated financial advisors at Debtsolver and make the year you free ...

Lack of debt help ‘forced’ Dannii Minogue to strip for Playboy
Minogue has recently revealed that the pressure of her severe debt problems forced her into posing ...

Remortgage and Save!
vast majority of households in Britain will find that their single highest expenditure is their mortgage ...


Find a debt solution now! Find out what your next step is to taking control and solving your debt problems.
Name:
Preferred Contact Number:
Email Address:
Total unsecured debt:
Do you owe money to more than 3 companies?	yes No
Monthly income:
Are you a home owner?	yes No
Amount of equity in your property:
I accept the Privacy Policy