Struggling with Credit Card Debt?

Millions across the UK are struggling with credit card repayments. But there are real solutions. This guide covers all your options, the risks of doing nothing, and how to take action today.

Why is Credit Card Debt So Hard to Clear?

Credit cards often have high interest rates. If you're only paying the minimum, most of that goes toward interest, not the balance. This means you could stay in debt for years.

What Happens If I Stop Paying?

You may receive calls, letters, defaults, and even court action. But help is available. Entering a debt solution like an IVA or DMP can stop the pressure quickly.

See If You Qualify for Help

Can My Debt Be Written Off?

Yes — depending on your circumstances, an IVA can write off up to 85% of your credit card debt. A DMP reduces payments and may freeze interest.

How Quickly Can I Get Help?

You can complete our short form in under 60 seconds. A specialist will review your case and guide you through next steps — with no obligation.

Can I Stop Creditor Calls?

Absolutely. As soon as you're on a plan like an IVA or supported DMP, we contact creditors on your behalf. You can finally relax.

Will This Affect My Credit Score?

Yes — but if you're missing payments already, your credit score is likely impacted. Solutions help you reset and rebuild.

How Do I Start?

Click below to see what help you qualify for — 100% confidential, no pressure.

Get My Free Debt Assessment