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Debt solutions

Help With Debt Solutions

We can help with multiple debt solutions, including an IVA or DMP, using a 5* Trustpilot service

Reduce Payments | Freeze Interest & Charges | Affordable Payment Plan | Completely Confidential


How We Help

You’ll be assigned a dedicated point of contact, someone who will take the time to understand your personal situation. Nobody’s finances are the same, and everyone prioritises differently, so it’s important to understand your individual circumstances.


You will be provided with information on all relevant debt solutions that may be available for you to make an informed choice based on your circumstances.  If you wish to pursue a particular debt solution you will be put in contact with someone to progress your application further. Fill in our form to see if we can help.

You won’t be charged a fee for providing you with information to help you decide on an appropriate debt solution. You may be charged a fee should you choose one of the products available to you. Any fees associated with your choice will be explained in detail.

If you are currently struggling with debt we may be able to help you get back on track. Reduce your debt to affordable monthly payments and potentially write off unaffordable debts.

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Personal Touch

Your own dedicated point of contact

Experienced Team

Support from an expert team with 100+ years of combined experience

Simple Process

Clear assistance every step of the way with a non-judgemental, private and confidential approach

A 5* Debt Advice Service

"Had an amazing experience. My advisor explain everything and was their when I had an questions response was fast within a few minutes. I suffer from. Anxiety they made me feel at ease and worked with me and at my pace. They sorted everything out for me and gave me all the options available to me." - CU, Trustpilot

"The people I had dealings with treated me with respect I felt a total failure before I spoke to them and after those feeling's disappeared and the relief I felt was phenomenal I feel I owe them my sanity thank you so very much." - CF, Trustpilot

"I highly recommend these I’ve been so overwhelmed by the helpful friendly service I received can not thank the lady’s enough for giving me peace of mind
Also helping me feel able to talk about my situation without being judged 110% satisfied wish I had come to these ages ago anyone experiencing difficulties highly recommend for anyone to go and speak to hamaria and Katie" - AK, Trustpilot


Why Use Us?

We use a well-reviewed, 5*, debt solutions service to help you with your debt problems. Whether you want to start your journey to become debt free, or just want some advice, we can help. The products offered help you write off unaffordable debt.

How does an Individual Voluntary Agreement (IVA) work?

An IVA is an agreement with your creditors to pay all or part of your debts. This is where a person agrees to make regular payments to an Insolvency Practitioner, who then divides the money between the person’s creditors. This option gives people more control over their assets than bankruptcy.

How does a Debt Management Plan (DMP) work?

The difference between a DMP and an IVA is that with a DMP, all outstanding debt is repaid. It’s a much more informal solution and therefore, there is no guarantee that creditors will freeze interest and charges. It’s also true that creditors can still pursue legal action, whereas, with a legally binding IVA, no changes can be made to an approved agreement.

How does a Credit Resolve Work?

We help clients exercise their legal rights. The aim is to establish liability and confirm whether creditors have the legal right to pursue clients for alleged debts. Debts can be deemed unenforceable within 12 days and removed from credit files within 60 days. This option is only available if you are being pursued by a debt collection agency.

How long does an Individual Voluntary Agreement (IVA) last?

IVAs typically last for around five or six years, although the exact length will depend on your individual circumstances and what is agreed upon with your creditors.

During the IVA period, you will make regular payments to the insolvency practitioner (IP), who will distribute the funds among your creditors according to the terms of the agreement. At the end of the IVA period, assuming you have met all the terms of the agreement, any remaining debts included in the IVA will be written off.

Can creditors refuse a debt management plan?

A creditor doesn't have to agree to your plan at all. If they don't, they can also continue to ask for payment. However, in many cases, they will agree to reduced payments, as it is still the best option for all parties involved.

How long does a debt management plan stay on my credit report?

A debt management plan (DMP) will typically stay on your credit report for six years from the date it began. During the six-year period, lenders and other organizations that check your credit history will be able to see that you have entered into a DMP. However, after the six-year period has elapsed, the DMP should be removed from your credit report and no longer affect your credit score or ability to obtain credit.

Does a debt management plan or IVA affect my current mortgage?

Entering into a DMP or IVA should not affect your current mortgage payments, as long as you continue to make your mortgage payments on time and in full.

Who can help me with an IVA?

If you are considering an IVA it is important to speak to a qualified debt advisor, as it is offered through us. They can provide you with tailored advice and help you to understand the potential impact on your finances.

 All enquiries are completely confidential and you are under no obligation to use any of the services discussed. Any fees associated with any product you choose will be explained in detail.

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Debt Solutions Guide is a trading style of Cambridge Corporate Consultants Limited (Company number 01329796)


Cambridge Corporate Consultants Limited is authorised and regulated by the Financial Conduct Authority (124851). ICO number ZB224521

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