Estimate a monthly payment you can keep, check a rough IVA write-off at £70/month, and ask about Breathing Space to pause interest, charges and most enforcement while we set up your plan.
✅ Start My Free Debt CheckUse the tools below to estimate a realistic monthly payment and (if eligible) a rough IVA write-off at £70/month. We confirm your budget against bank statements, then place you with the right team for a DMP, IVA or DRO. Where suitable, we help you use Breathing Space first to pause interest, charges and most enforcement while your plan is set up.
Start My Free Debt CheckEnter your total unsecured debt to see broad options. This is guidance — we’ll refine it with a full review and documents so creditors accept it.
Next step: ask about Breathing Space to pause interest/most enforcement while we build your plan. For a side-by-side comparison, see Compare Solutions.
Send My Numbers SecurelyIf you qualify for an Individual Voluntary Arrangement (IVA), you make one affordable payment for a fixed term (usually 5–6 years). Use this tool to estimate how much of your unsecured debt could be written off paying £70/month.
Note: This is a simple estimator. IVA fees are typically included within your affordable payment. Exact terms depend on eligibility and creditor approval.
Prefer flexibility? Read about a Debt Management Plan (DMP) or check whether a DRO could be faster if you meet strict low-income/asset criteria.
Check If I Qualify for an IVASee our simple guide to Breathing Space. We’ll advise whether it’s appropriate for your situation and how to start.
Ask If I Can Get Breathing SpaceYour safe payment is what remains after housing, council tax, utilities, food and transport. Our tool gives a guide; we then verify with statements so creditors accept it. See Affordable Repayment Plans.
Some IVAs are approved at lower contributions if the budget supports it. Try the estimator above, then read About IVAs for eligibility and protections.
A DMP is informal and flexible. Many lenders freeze interest when you show a fair, consistent budget that protects essentials.
It’s not a money amount — it’s legal protection that pauses interest/most enforcement while you set up a plan. Start with our guide.
Once protections apply (Breathing Space or a formal solution), most new enforcement is paused. If collectors are contacting you already, use Stop Debt Collectors and see firm-specific pages like Lowell, Cabot or Moorcroft.
Get My Free PlanNo. It’s just guidance. Formal solutions may impact your credit during the term, but they stop the spiral and provide a clear finish line. See Credit Score Help.
It’s an estimate. We make it accurate by confirming income, bills and spending from your bank statements and using fair allowances so creditors accept it. Compare options at Compare Solutions.
Usually 5–6 years. In some cases an extra 12 months replaces equity release if you own a home. Read more on IVAs.
Yes — from April 2024, making DROs more accessible if you meet strict low-income/asset limits.
Different options apply (e.g., temporary moratorium, Trust Deeds, DAS). Tell us your postcode and we’ll signpost correctly. See Trust Deed (Scotland).
Ask a Debt SpecialistUse the calculators, get protected with Breathing Space, and move into a plan that fits your life. We protect priority bills, contact creditors in writing, and guide you to the route with the best outcome.
Start Free Debt Check