Free Debt Advice Portsmouth

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

Affordable Debt Help in Portsmouth – Find Support Today

Welcome to Free Debt Advice Portsmouth, where we offer tailored solutions like Debt Management Plans, IVAs, DROs, and Bankruptcy. Explore your options for long-term financial stability.

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.

Check if you qualify

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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Are you considering bankruptcy as a debt solution in the UK? Learn about the process, pros, and cons, including its impact on credit scores and assets. Seek professional advice without judgment today.

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Individual Voluntary Arrangements (IVAs) provide a debt solution in the UK. Discover eligibility, application process, payment arrangements, and the impact on credit ratings. Seek professional advice for personalized support.

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Debt Relief Orders (DROs) offer a debt solution for individuals in the UK. Learn about eligibility, the application process, and the 12-month moratorium. Seek professional advice to understand if a DRO is right for you.

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Debt Management Plans (DMPs) are a tailored debt solution in the UK. Understand how they work, their benefits, and drawbacks, including the impact on credit scores. Explore your options with professional debt advice.

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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.

Free Debt Advice Portsmouth offers tailored debt solutions in the UK. Explore options like DMPs, IVAs, DROs, and Bankruptcy for financial stability. Contact us for support.