Debt Advice & Guidance

A flexible, informal way to repay your debts at an affordable rate.

What It Is

This service is about giving you tailored, impartial advice. We help you understand your debt situation, clarify what options are available (DMP, IVA, DRO, bankruptcy, etc.), and guide you in choosing the best path forward.

It’s not about selling you a plan – it’s about helping you make an informed decision.

How We Help / What We Do

  • Listen empathetically to your situation
  • Assess all your debts, income, and spending
  • Explain each debt solution (pros, cons, costs, eligibility)
  • Help you prioritise debts and understand what steps to take
  • Provide tools (budgeting plans, projections, resources)
  • Support you while you implement chosen solutions

Benefits / Advantages

  • Free & impartial – no cost for the initial advice
  • Clarity – you’ll know which options truly match your situation
  • Empowerment – you understand the consequences, risks, and path ahead
  • Ongoing support – we stay by your side while you act

How It Works

01

Initial Contact / Assessment

Share your current financial details with us so we can understand your situation.

  • Full financial overview
  • No obligation
02

Review & Analysis

We map out your full financial picture including debts, income, and expenses.

  • Detailed analysis
  • Identify all options
03

Option Presentation

We show which debt solutions you qualify for and compare them side by side.

  • Compare solutions
  • Clear recommendations
04

Discussion & Decision

We walk through pros/cons and help you choose the right approach.

  • Understand consequences
  • Make informed choice
05

Implementation Support

When you're ready, we help you act and implement your chosen solution.

  • Step-by-step guidance
  • Ongoing support

Ready to find out if a DMP is right for you?

Talk to our advisors today - it’s free, no obligation.

Get Free DMP Assessment