Call free today: 0800 0431 431

Write off up to
81% of your debts

We’ve helped over 250,000 people out of debt and we can help you:

  • Repayments from £90 per month
  • Stop interest and charges
  • Government legislation can help you
Check if you qualify

Advice provided by

May not be suitable in all circumstances. Fees may apply, read here. Entering into an IVA will affect your credit rating, read here.

Advice provided by

Deal with your debt today. Feel better tomorrow.

Taking care of debt is a big deal, so we've broken it down into small steps.

Step 1

Answer a few quick questions

Use our easy online questionnaire to provide a few details about yourself and find out how much you can write off.

Step 2

Speak to a debt specialist

An advisor at UK Debt Expert, the debt advice arm of The Creditfix Group, will explain all of the available options on your free debt advice call.

Step 3

Choose your plan

You will be given a recommendation based on your situation and you can choose the best fit for your circumstances and lifestyle.

Our relationship with UK Debt Expert

Creditfix specialises in Individual Voluntary Arrangements (IVAs), but for personalised debt advice, we work closely with UK Debt Expert, the debt advice arm of the Creditfix Group.

UK Debt Expert is a debt advice company that is authorised and regulated by the Financial Conduct Authority to provide free advice on all UK debt solutions. They offer tailored guidance on the best solution for you, whether that’s an IVA, a Debt Management Plan, or budgeting help.

Both Creditfix and UK Debt Expert are part of the Creditfix Group, a group of UK companies who have helped over 250,000 people deal with their debt. While Creditfix focuses on providing IVAs, UK Debt Expert offers free advice on all debt solutions available in the UK.

We want to make sure we find the right fix for your finances, and UK Debt Expert are experts in that area. They’ll take a look at your circumstances, talk you through the available options, and only recommend an IVA if it’s the right solution to help you improve your financial situation.

Help that’s tailored to you.

There are loads of debt solutions out there. But to truly offer the best debt advice for your circumstances, our policy is to listen and understand your situation first. Only then will we suggest a debt solution that fits. Click on a solution to learn more.

Trust Deed – Scotland

A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £5,000 or more of unsecured debt.

Find out more

IVA - England, Wales, NI

An individual voluntary arrangement (IVA) is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts over a period of time at an affordable rate.

Find out more

Here’s an example of how we can help.

See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

Let's say you owe..

Bank Loans


Gas Bills


Pay Day Loan




Debt Collection Agency


Short Term Loan


Council Debt


Credit Card


Total amount owed:


After an IVA

Monthly payments are based on individual financial circumstances

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

They did it, and so can you.

Anyone can get into debt. But sometimes, it takes a bit of help to get out of it. That’s what we’re here for. And here are some of the people we’ve helped.

It was literally the best decision of my life, and it has actually changed my life, cheesy as that sounds, it has changed my life.

The debt write off calculator

Find out if you can write off debt you can't afford.

What is the total amount of your debt?
£10,000 or More
£6,000 - £10,000
£2,000 - £6,000
£0 - £2,000

Why are we asking this question?

When considering your debt level remember to include the following commonly missed debts: HMRC,Rent arrears, Bailiff inforcements and council Tax.

Are you including any of the following commonly missed debts (HMRC,Rent arrears, Bailiff inforcements and council Tax, overdrafts and debts you're currently paying towards)?
What's your employment status?
Zero Hour Contract

Why are we asking this question?

Telling us this allows us to ensure we offer tailored support during the COVID-19 outbreak.

What's your current employment status?
Not working
None of the above

Why are we asking this question?

Telling us this allows us to ensure we offer tailored support during the COVID-19 outbreak.

Do you work in any of the following industries?
None of these

Why are we asking this question?

Telling us this allows us to ensure we offer tailored support during the COVID-19 outbreak.

Are you in receipt of long-term benefits?

Why are we asking this question?

Telling us this allows us to ensure we offer tailored support during the COVID-19 outbreak.

Do you have a confirmed back to work date for July?

Why are we asking this question?

Letting us know this allows us to help you find a debt relief solution that meets your current needs.

Where do you live?
Northern Ireland

Why are we asking this question?

Telling us your location allows us to offer information about the debt solutions and help available in your area.

Frequently Asked Questions

An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates a legally binding agreement between you and the people you owe money to.

You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt you currently have, but can afford to repay some. Your free debt advice consultation with UK Debt Expert will help you decide whether an IVA is the best solution for you.

Yes, an IVA will have an impact on your credit rating as it will show on your credit report for six years after it has been approved.

However, it’s important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.

Once your IVA is complete you will be offered a fresh start to begin rebuilding your credit rating.

In most cases entering an IVA won’t affect employment. However, in certain professions, such as accountants and solicitors, having an IVA may mean that you can no longer practice or you may only be able to practice under certain conditions.

Once you enter an IVA, creditors can take no further action against you and can’t contact you directly.

An IVA can be a positive way to manage unaffordable unsecured debt and allow you to better manage your monthly finances.

In an IVA a single monthly payment is agreed with your current financial situation taken into consideration – this payment is then divided between the people you owe money to. During the course of your plan all interest and fees associated with your debts are frozen.

At the end of the IVA the remaining debts are written off.

When you’re considering entering an IVA, it’s important to be aware of the following:
  • Your credit rating will be affected.
  • If you’re a homeowner you may be required to release equity from your home towards the end of your arrangement.
  • Only the unsecured debts included in your IVA will be written off at the end of the agreement.
  • Your IVA will be recorded on a public register

This isn’t an exhaustive list of considerations to be aware of before deciding to enter an IVA. When you speak to a UK Debt Expert advisor, they will ensure you’re aware of the advantages and disadvantages to help you make an informed decision.

UK Debt Expert is the debt advice arm of The Creditfix Group. They offer free debt advice based on all UK debt solutions, so they’re the best people to look at your financial situation and advise you on the best solution for your lifestyle and circumstances.

At Creditfix, we specialise in Individual Voluntary Arrangements (IVAs) and are the biggest provider of IVAs in the UK.

If you’re advised that an IVA is the best solution for your situation, we will take care of the setup and management of the arrangement, which allows you to focus on getting your finances back on track.

We offer free debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you.

Although we offer advice on all debt help solutions available, we specialise in Individual Voluntary Arrangements (IVAs).

All of our initial advice is free; however, fees will apply should you decide to enter into an arrangement.

We operate a transparent fixed fee model, which incorporates the Nominee Fee, Supervisory Fee and all costs and expenses associated with the arrangement.

Fees will be taken from your monthly payment or asset realisations paid into your arrangement.

These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.