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
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
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
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.
Resources Directory
Organisations offering support to those need and authoritative information resources.