Email Us:
info@mydebtsolutions.co.uk
Call Us:
0161 820 8707
If you’re anxious about bills, juggling payments, or avoiding calls and letters, let’s take this one step at a time.
In 2 minutes, we’ll help you understand which options could fit — calmly, clearly, and without judgement.
Free, confidential assessment
One simple monthly payment (in many solutions)
A clear plan to move forward
Friendly support
No pressure to proceed
Just exploring your options won’t affect your credit score
A clearer way to deal with debt — with expert guidance
Check My Options
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If your monthly payments are getting on top of you, you’re not alone — and you don’t have to “just cope” in silence.
A clearer way to deal with debt — with expert guidance
We’ll help you understand your options (like an IVA, Debt Management Plan, Debt Relief Order, or Bankruptcy) and guide you to a plan that actually fits your life — with no judgement and no pressure.
Free, confidential check
Friendly support
No pressure to proceed
We help you compare the main UK debt solutions and choose a plan that’s realistic, compliant, and built around your budget.
We help you compare the main UK debt solutions and choose a plan that’s realistic, compliant, and built around your budget.
Feeling stressed, embarrassed, or stuck?
Most people delay getting help because they’re worried they’ll be judged — or that the conversation will be pushy.
That’s not how we do things here.
We’ll listen first, explain your choices in plain English, and only recommend a next step if it genuinely makes sense for you.
Simple 3 Step Process
Debt help in 3 easy steps
Tell us what’s going on
A few quick questions about your debts and your current situation.
We talk you through your options
We’ll explain the solutions you may be eligible for and what they really mean day-to-day.
Choose what feels right
If you want to go ahead, we’ll help you take the next steps. If not, you still leave with clarity.
Ready to get started?
Who we can help
We can help with most unsecured debts.
Not sure what counts as “priority” vs “non-priority” debt? We’ll help you sort that out too.
Credit cards and store cards
Personal loans and payday loans
Overdrafts
Utility arrears and household bills
Catalogues and buy-now-pay-later balances
Multiple debts across different lenders
Not sure what type of debt you have — or what matters most right now? That’s okay. Start with a quick options check and we’ll help you make sense of it.
Benefits of a debt solution
What a debt solution can do for you
Depending on your circumstances, a debt solution could help you:
Reduce your monthly payments to something more manageable
In many cases bring multiple debts into one plan
Stop the spiral of stress, missed payments, and constant creditor contact
Protect essential living costs by first setting a realistic budget
Get a clear plan forward
Important: debt solutions can have downsides and may affect your credit file. Any risks, fees and key terms will be explained clearly before you decide.
Not sure which debt solution fits?
You don’t have to figure it out alone.
Most people don’t come to us saying:
“I’m paying but the balance isn’t going down.”
“I’m borrowing to cover basics.”
“I’m scared to open letters.”
“I feel like I’m one bill away from tipping over."
If that’s you, start with a quick options check. We’ll keep it simple, and if you want help, we’ll introduce you to a provider who can explain what’s next.
STILL NOT SURE?
Frequently Asked Questions
Question 1: Will this affect my credit rating?
Most debt solutions can affect your credit file. If you’re already missing payments, your credit score may already be impacted — a solution can still help you move toward stability.
Question 2: Do I need to keep paying my creditors?
Often, you should keep paying what you can until a solution is agreed and in place. The right approach depends on your situation, so get advice first.
Question 3: Can you stop calls and letters?
Many people find creditor contact reduces once there’s a plan and someone is liaising on their behalf (this varies by solution and creditor). A DMP provider, for example, can deal with creditors for you.
Question 4: Will my partner be affected?
Usually not for debts solely in your name — but joint debts or shared financial commitments can change that. We’ll talk it through based on your set-up.
Question 5: Can I still keep my home or car?
It depends on the solution and your circumstances (especially with insolvency options). We’ll explain what each option could mean for assets before you decide.
Question 8: Is this a loan?
No — debt solutions are not the same as taking out a new loan.
Ready to feel lighter?
You don’t need to “hit rock bottom” to ask for help.
If your debt is affecting your sleep, your relationships, or your ability to enjoy normal life, it’s time to get your options clearly laid out — in a way that feels calm and practical.
Hear From Our Clients
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Jane Doe
Satisfied Customer
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Jane Doe
Satisfied Customer
"Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nec nulla viverra, vehicula erat ut, posuere mauris. Donec porttitor viverra arcu in porta. Ut et arcu viverra, imperdiet urna ut"
Jane Doe
Satisfied Customer
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Jane Doe
Satisfied Customer
Office 2, Labyrinth Business Center,
47 Middle Hillgate, Stockport SK1 3DG
0161 820 8707
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Debt solutions are not suitable for everyone and can have fees and disadvantages, including impacts to your credit rating. Eligibility depends on your personal circumstances and in some cases creditor approval.
Free, impartial help is also available from MoneyHelper (a government-backed service).
My Debt Solutions is committed to complying with the UK General Data Protection Regulation and the Data Protection Act 2018. We take all reasonable steps to ensure that the personal data you provide is collected, processed, and stored securely and lawfully.. We only share your data with trusted third parties where it is necessary to fulfil your request. We do not sell or distribute your data to unrelated third parties.