Free Debt Advice with over 75 years of experience

National Debt Relief speak to thousands of people every month who realise that they need to do something about their debts before matters are taken out of their hands.

National Debt Relief offer completely free advice to everyone on any financial problem. As well as offering free debt advice we also provide services for all the Debt Solution we may recommend.

Debt Advice from one our our friendly Debt Counsellors will help point you in the right direction. You can then make a decision on what you want to do next.

We will go through your situation in full detail and recommend the solutions that are available to you. You can then decide what you want to do.

Options available to you

However large your debt problem seems, solutions are available for you. We can advise you on whether an IVA is the best way forward, or whether you should consider a Debt Management Scheme, Trust Deed, remortgage, consolidation loan or even bankruptcy.

The best solution for you depends on your debt level and your personal situation.

• Debt Management Plan:
  
  A Debt Management Plan can give you more affordable monthly repayments. Instead of paying what your creditors demand each month, you offer them what you can actually afford. None of your debts are written off so you will repay your debts in full but if you want an informal solution with payments that you can manage then this may be a good solution for you.
  
  To apply for a Debt Management Plan or find out more just call 0800 043 5135 or read more here

• IVA (Individual Voluntary Arrangement):
  
  The best solution for debts over £15,000, in most cases, is an IVA.
  If you are eligible for an IVA, you could see a large percentage, up to 70%, of your debts legally written off. You are fully legally protected by this solution and your creditors must deal with us directly at all times.
  
  To apply for an IVA or find out more just call 0800 043 5135 or read more about IVAs here
  
  

• Trust Deed (Scotland only):
  
  In Scotland the best solution for debts over £12,000, in most cases, is a Trust Deed.
  A Trust Deed is similar to the IVA which is available to all other UK residents. If you are eligible for a Trust Deed, you could see a large percentage, up to 90%, of your debts legally written off. You are fully legally protected by this solution and your creditors must deal with us directly at all times.
  
  To apply for a Trust Deed or find out more just call 0800 043 5135 or read more about Trust Deeds here

• Bankruptcy:
  
  There is still a perceived stigma of bankruptcy but it can be a good option if you have no assets and no means of repaying your debts in the foreseeable future. Some people cannot go bankrupt because it may affect the career or promotional prospects but it should be considered.
  
  Speak to us on 0800 043 5135 or read more about Bankruptcy here
  

• Consolidation Loan
  
  We do not usually recommend borrowing your way out of a debt problem, but in some cases a consolidation loan can be a good option. A consolidation loan could make all your current credit agreements much more affordable by converting all your current loans into just one new loan with a lower interest rate and therefore lower payments.
  
  Ask us about our consolidation schemes by calling 0800 043 5135 or read more about consolidation loans here

A Word of Warning

There are companies out there who charge for debt advice. Avoid them!
You shouldn't have to pay for Debt Advice since money is a problem for you.
You should only pay if you are entering a solution and the money should be going towards your creditors too.

Clearing your debts

Our aim is to help you to clear your debts in the quickest way possible. We will educate you on how to clear your debts and how to avoid running up further debts in the future.

Debt is stressful, it needn't be with the right approach.