Debt Consolidation – Write off up to 93% of your Debt*

If you have debts and are struggling to repay, we could help you today

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  •  Private & Confidential
  •   Free Service
  •  Best Advice Policy

Get back on track with 3 easy steps

Step One

1. Check if you Qualify

Complete our quick online form to see whether you qualify for one of our debt solutions.

Step Two

2. Consultation

If you qualify for a debt solution, we will then discuss the options to fit your circumstances.

Step Three

3. You Decide

Once you have been advised of your options, you decide what you want to do. Our service is free, confidential and no obligation.

The Money Advice Service

Customers can also get free debt counselling, debt adjusting and provision of credit information services from the money advice service an organisation set up by the Government to offer practical advice to those in debt.

About Us

Debt Concerns are a firm directly regulated by the Financial Conduct Authority (FCA), for the purpose of debt help advice. Our team has over 80 years experience in helping people with their debts.

Our vision is to help change lives by helping people make the most of their money.

Example of Unsecured Debt
Loan £12,240
Credit Card £2,375
Payday Loan £2,787
Council £598
Total owed £18,000

Customer repayments before & after an IVA

Before an IVA


With an IVA


Reduced By 65%

* monthly payments are based on individual financial circumstances

Services We Offer

  • Debt Management Plan

    This plan is suitable for people with unsecured debts totalling £15,000 or less, although this depends on your exact circumstances.

  • Individual Voluntary Arrangements

    IVAs are a binding contract between you and your creditors. You will make fixed monthly payments into your IVA, and in return they will accept lower payments over a fixed term.

  • Protected Trust Deeds

    Residents of Scotland may benefit from a Protected Trust Deed. A Trust Deed is a legally binding agreement between you and your creditors, similar to an IVA.

  • Debt Arrangement Scheme

    A DAS is also a solution for residents of Scotland and is a Government approved scheme allowing you to freeze all interest or charges on your debts. A DAS exists until your debts are fully repaid, meaning your debts will not be written off.

Fees may be payable if continuing services are provided. Repaying debt over a longer time period may increase the total amount to be repaid.
Credit rating may be affected. Read about fee information here

How We Can Help

Being in debt can be incredibly stressful but our solutions are about trying to reduce your monthly unsecured repayments down to an amount that you can afford and eventually become debt free so that you can get your life back on track.

Debts we can help with include:

  • Council Tax Arrears
  • Store Debts
  • Payday Loans
  • CCJ Debts
  • Overdrafts
  • Loans
  • Credit Cards
  • Previous House Rent Arrears
  • Benefit Overpayment
  • Mortgage Shortfalls
  • Utility Arrears

We have a range of solutions to help. The best solution for you will depend on your own personal circumstances including how much debt you are in, what you can afford to pay back and where in the UK you live. Once we understand your circumstances, we can identify which solution you qualify for and fully explain the process. If you decide to proceed with us then we can deal with your creditors on your behalf. You will be allocated your own debt advice expert who will take away the unwanted pressure of dealing with any calls or paperwork received.

However difficult things seem right now, the good news is that every debt problem can be solved.

Reduce Your Debt Repayments and Regain Control

< Check If I Qualify >

With our free service, we'll look at your financial situation, explain the debt solutions available for your circumstances and then recommend a solution which could be suitable for you. If you then decide you want to proceed with that debt solution, we will put you in touch with one of our trusted providers. After this, if you want to use their service, we will receive a fee for introducing you, or a fee for the preparatory work we have completed.