Who are we?

Debt.org.uk is a not for profit organisation setup to help people get some stability back with their debts. We are a small group of individuals who have all been in debt and have managed to get out of it, and now we want to help you.

We provide helpful tools you can use to find the best solution and we spend a lot of time researching and writing helpful articles to guide you through the world of debt help.

Whether it's a credit card debt, loan, or just a problem with your credit file the is a good chance we have written a helpful giude for it. Click the button below to visit to the guides and use the search facility.

Contact Us

How can we help you?

  • You can get free, confidential and expert debt advice online or over the phone

  • We'll recommend the best debt solutions for your individual circumstances

  • We'll support you while you deal with your debt problems, for as long as you need our help

  • We also campaign on your behalf to reduce the risk of problem debt and the harm it causes


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People a day are declared bankrupt or insolvent in the UK


Average debt(£) of each adult in the UK. *Source Money Statistics November 2018


Yesterday we helped 1320 people. Let us help you today.

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Common UK Debt Solutions

Here is an overview of the most common debt solutions available in the UK today


An IVA (Individual Voluntary Arrangement) is a legislated debt plan for people who owe £5,000 or more in unsecured debts.

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Debt Management Plan

Debt management plans are informal arrangements between you and your creditors.

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Debt Relief Order

A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets.

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Bankruptcy is a form of insolvency that writes off debts if you can't afford to repay them, giving you a fresh start.

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Bankrutpcy (Sequestration)

Sequestration is a form of insolvency and may be suitable if you can’t pay back your debts in a reasonable time.

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Minimal Asset Process

A minimal asset process (MAP) bankruptcy gives you a fresh start by writing off debts that you can't repay within a reasonable time.

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Debt Arrangement Scheme

The Debt Arrangement Scheme is a debt tool only available in Scotland. It helps you repay your debts by making affordable monthly payments.

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Scottish Trust Deed

A Scottish Trust Deed is a legally binding arrangement in Scotland which allows you to write off debts you cannot afford to replay.

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Informative guides to help you get out of debt

Debt Guides

Debt Guides