Find Your Way To Debt Freedom
Our vision & promise is to offer a safe place for people in debt to find help and support. Our services come without jargon. We are open, honest and helpful.
Could An IVA Help Me?
We specialise in IVA’s and for those who qualify, this allows for affordable repayments and typically writes off a significant amount of debt. Learn more
Find Your Best Solution
Help for many types of debts
Not just from unsecured lending
Loans & Overdrafts
Store & Credit cards
Benefits over payments
HMRC & Council tax arrears
Debts with a Court Judgement
Rent, Gas and Electricity arrears
Catalogues & Buy now – pay later agreements
For other debts contact Debt Guardians for clarification
Get Started Today
Give us 15 mins - We'll help get your life back on track
1 - Check if you qualify
Call us or complete the form to see if you qualify for a debt solution.
2 -Your Consultation
A friendly & experienced advisor from Debt Guardians will contact you to discuss your circumstances.
3 - Your Solution
Benefit from keeping your hands on more of your money.
Find the right solution for you
Every day we help people find their most suitable debt solution.
IVA
- A Single, Affordable Payment
- Debts Significantly Reduced
- Interest Stopped
- Full Legal Protection
Owe more than £6,000? Struggling with payments but afford at least £80/month? An IVA may be your best debt solution.
Bankruptcy
- Start Again Without Any Debt
- Benefit From Legal Protection
- Interest Stopped
- Full Legal Protection
We will assess your situation to determine if bankruptcy or an alternative solution is your most suitable course of action.
Debt Relief Orders
- All Debt Written-Off
- No Payments To Make
- Full Legal Protection
- Learn Your Eligibility Today
A way to deal with debts if you don’t own your home, don’t have much spare income and your debts are no more than £30,000.
Debt Solution Example
Savings possible from a typical IVA
Before: applicant currently pays £380/m towards debts, which are:
| Overdraft | £2,500 |
| Personal Loan(s) | £7,000 |
| Credit Card(s) | £5,000 |
| Other includable debts | £6,000 |
| Total Current Debts | £20,500 |
|---|---|
| Further interest & charges while repaying these debts over several years could be say... | £4,000+ |
| Cost to Clear Debts | £24,500+ |
After: applicant can afford £130/m towards debts, then:-
Current payments
*IVA payments
| IVA payments | £130 * 60 months |
| Cost To Clear Debts | £7,800 |
|---|---|
| Total Saving | £16,700 |
| Repaid % | 32% |
| *Payment levels depend on affordability of the individual applicant and are subject to creditor acceptance. | |
Advice You Can Trust.
Read what people are saying about Debt Guardians
926 Reviews
We highly recommend asking for Sarfraz when you use Debt Guardians.
Things Around The World, December 8, 2021
full review
An amazing company. I was in a really stressful situation with my finances. couldn’t find a way out. I spoke to Neil one of the staff members. Not only was he empathetic of my situation, but he also gave me reassurance and confidence. The professionalism gave me confidence that they can help. After so long … Read more
Zuber, November 3, 2021
full review
You guys should feel really good about what you do, you've changed my life and given me peace of mind.
Eddie K, October 11, 2021
full review
If you are struggling with your finances and debt is taking over your life then Debt Guardians is the place to go.
Emily Crocker, September 29, 2021
full review
Debt Guardians Advice Centre
Tips and information about dealing with debts
10 Steps To Take Control Of Your Debts.
Facing up to your financial situation is an important first step.
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Organisations offering support to those need and authoritative information resources.