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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.

Guardian Debt Solutions

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

An IVA may not be suitable in all circumstances. Fees apply. Your credit rating may be affected

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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

0800 014 9675 Do I Qualify?

Call us or complete the form.

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.


  • 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.

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  • 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.

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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.

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Debt Solution Example

Savings possible from a typical IVA

Before: applicant currently pays £380/m towards debts, which are:

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

Debt Guardians Advice Centre

Tips and information about dealing with debts

IVAs – All you need to know

Learn about how an IVA could help you from our informative guides

Debt Included in an IVA

Creditor Action

The actions creditors can take to encourage or enforce payment.

The Different Kinds Of Debts

Some are more important that others – know your options.

Credit Rating and Credit Reports

Dispel the myths – learn the facts your credit rating

10 Steps To Take Control Of Your Debts.

Facing up to your financial situation is an important first step.

Resources Directory

Organisations offering support to those need and authoritative information resources.

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