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Having debts is a lot more common than you might think, and it’s easier to fix than you might think too. Our service works in three simple steps – by the time you’re done, you’ll have a clear-cut plan to get your finances back in a good place.
You can get help with your debts over the phone or online – whichever’s easiest for you.
Make a new, simple budget that shows you where you’re spending what on each month.
Using your new budget, we’ll give you a solution that helps you deal with your debts.
Keep your business running smoothly by learning about Bounce Back Loans, debt solutions and a host of other self-employed guides and tips.
Need help managing your money? Find everything from in-depth budgeting guides to quick money-saving tips on our Financial Wellbeing hub.
Breathing Space gives you a 60-day break from creditor contact, and freezes fees, charges and court action against you.
Debt solutions we advise on
PayPlan advise on a wide range of debt solutions, and recommend the best one for you.
Self-employed IVAs allow you to pay back your debt whilst still running your business.
A debt management plan allows you to pay back your creditors each month at a rate you can afford.
Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.
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