Debt Advice Kent

Speak to an expert to discover all the debt solutions available to you.

Safe, secure & confidential

Advice is free but fees and disadvantages may apply if you enter a debt help solution.
May not be suitable for all.

Help also available at MoneyHelper

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Debt Advice Kent
Welcome to Debt Advice Kent, where we offer tailored debt solutions to help you manage your financial challenges effectively. We understand that seeking debt help can be overwhelming, but rest assured that our services are designed to support you in achieving long-term financial stability. Whether you need a Debt Management Plan, Individual Voluntary Arrangement, Debt Relief Order, or guidance on bankruptcy, we are here to help you navigate through your options without judgment.

Make one affordable monthly payment to us and we’ll manage the payments to your creditors for you.

We deal with your lenders on your behalf, taking care of all the hassle and paperwork.

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How do I get started?

Answer a few quick questions

Use our easy online questionnaire to start the debt help process.

Speak to a debt specialist

Our friendly, experienced team will explain all the available options.

Choose your plan

Select the best solution for your circumstances and lifestyle.

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What debt are you most concerned about?

Credit Cards

Over Drafts

Unsecured Loans

Store Cards

Personal Loans

Utility Bills

Business Debt

Catalogues

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Advantages of a DMP

We will manage the contact with your creditors and provide them everything they need. So, as long as you keep in touch with us, your creditors shouldn’t need to contact you.

You will just make one monthly payment to us, instead of paying all of your creditors individually.

In the vast majority (99.48%) of cases, creditors will stop applying interest and charges, so the money you pay will come straight off the balance.

You will have an online account which you can use to view your account and make changes.

If your circumstances change, we will renegotiate the payments with your creditors.

Disadvantages of a DMP

Your creditors don’t have to agree to the repayment, or to freeze interest and charges.

A debt management plan doesn’t protect you from further recovery or legal action from your creditors.

Your credit rating will be impacted because you’ll be paying reduced amounts to each creditor. If you’ve been missing payments to your debts it is likely that your credit report will already have been impacted.

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Debt Advice Kent
Bankruptcy can be a viable debt solution for individuals in the UK facing overwhelming financial challenges. It involves a legal process to manage debts, suitable for those with significant unmanageable debt. The process usually lasts for a year and can result in the discharge of debts, offering a fresh start. However, bankruptcy can have consequences on credit scores, assets, and future borrowing. It’s crucial to seek professional advice to understand the implications fully and consider all available options.

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Debt Advice Kent
Individual Voluntary Arrangements (IVAs) are a debt solution designed for individuals in the UK struggling with unmanageable debts. Through an IVA, you can make affordable monthly payments to creditors and have a portion of your debts written off upon successful completion. While an IVA can provide a fresh start, it’s essential to consider the eligibility criteria and implications carefully. Seeking professional debt advice is crucial to determine if an IVA is the right solution for your financial situation.

Check if you qualify

Debt Advice Kent
Debt Relief Orders (DROs) offer a debt solution tailored to individuals in the UK with low income and minimal assets. It provides a way to freeze debts for a year, offering relief and a fresh start after the moratorium period. While a DRO can be beneficial, it’s essential to understand the eligibility criteria and implications before proceeding. Seeking professional advice is crucial to ensure that a DRO is the right debt solution for your specific situation.

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Debt Advice Kent
A Debt Management Plan (DMP) is a practical debt solution for individuals in the UK struggling with multiple debts. It involves a structured repayment plan, making affordable monthly payments to creditors. While a DMP can provide relief from financial stress, it may impact credit scores and borrowing capabilities. Seeking professional debt advice is essential to assess whether a DMP is the right solution for your circumstances and explore other options available.

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How does it work?

Let’s say you owe…

Debt Type	Amount
Bank Loan	£5,366.00
Gas Bills	£129.00
Pay Day Loan	£1,989.00
Overdraft	£1,234.68
Debt Collection Agency	£380.16
Short Term Loan	£243.88
Debt Collection Agency	£471.61
Council Debt	£1,009.24
Credit Card	£8,433.00

Total amount owed

£19,256.57

After an IVA

65%
debt written off

IVA Payments
£110
per month

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Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

Debt Advice Kent offers tailored debt solutions in the UK to help individuals manage their financial challenges effectively. Contact us for expert advice on Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and bankruptcy options.