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When bills are mounting, and money seems elusive, gathering debt advice can seem like an insurmountable task. With financial options at every turn but no in-depth knowledge to lean on to make the right decision for your situation, you may simply feel overwhelmed. Unsolicited debt advice from family, friends, and those without qualifications can also make the process seem more daunting.
All across the UK, Britons are struggling to make ends meet. But there are some great debt advice resources you can use to spruce up your financial knowledge and ensure you can make an educated decision. Debt advice UK is readily available from FCA-approved and qualified debt solution advisors, but where do you find them, and which ones are best suited to advising you. Better yet, how do you know which debt advice professionals are legitimately qualified?
When using a platform like 123 Debt Fix or Viva Debt Help, you can rest assured that you're gaining access to some of the best obligation free debt advice in the UK. These platforms, and several like it, don't provide debt advice, but put overindebted individuals in direct contact with the best suited debt advice service for their situation. This cuts out the confusion of hunting the market for UK IVA debt advice or worrying that you're acquiring an expensive debt solution when better options exist.
Below, we feature our top pick of five platforms that link Britons to leading debt advice providers in the UK. These platforms caught out eye for their fuss-free approach to getting the overindebted the debt consolidation advice they need in the shortest time possible.
If you'd like professional, FCA-approved advisors to approach you with obligation free debt advice for any debts up to £30000+, Viva Debt Help is a viable platform to use. This platform is well-known for connecting overindebted individuals with the right obligation free debt advisor professionals, ensuring they can make educated decisions about their financial futures. Drowning in debt doesn't have to be a thing you deal with! With the right advice and guidance, you can freeze fees and interest, set a debt solution in place, and get your monthly expenses either reduced or written off.
Getting a debt solution can be as easy as 1, 2, 3 when you use the 123 Debt Fix platform to connect with debt advice service providers in the UK. With the help of the right debt advisor, you can expect to find a debt solution for the amounts you've racked up in credit card debt, store cards, council tax debts, and even personal loans. While some debt solutions may affect your credit score, they can provide financial relief and help you pay off your debts instead of drowning in them for years. Applying to be connected with a debt advice service is quick and relatively easy on the 123 Debt Fix site. Follow the prompts to complete the application form and wait for an FCA-approved debt solution provider to contact you directly.
If you're looking for the best place to request obligation free debt advice UK to know all the options available to you, Help My Debts Pro should be at the top of your list. This particular platform puts overindebted individuals in quick direct contact with qualified FCA-approved debt solution advisors who can present obligation free debt advice UK for consideration. There's no obligation to accept any of the solutions recommended, but the advisors the platform can connect you with have a reputation for assisting individuals with debts of £5000 up to £30000+. They can advise on most unsecured debts, including but not limited to business debt, payday and student loans, mortgage and rental arrears, festive period debt, utility bill debt, council tax debt, and more.
If you're looking for a platform where you can complete one form to be connected with a suitable UK debt advice provider, Debt Nurse is a great place to start. This particular platform doesn't provide UK debt advice to overindebted individuals but connects them with a debt solution provider qualified to provide advice and guidance. All debt solution providers that are available via Debt Nurse are FCA-accredited for your peace of mind. Debt Nurse can help you acquire debt advice for debts starting from £5000 up to £30000+. If you choose to go ahead with a recommended debt solution, you can freeze interest and fees and enjoy the convenience of your debt solution advisor dealing with your creditors for you.
To select the best debt consolidation advice providers, we put time and effort into researching each option. Each of our recommended platforms offers the following:
You'll find that there are several debt consolidation advice solutions available – here's what you need to know:
You can get money debt advice on IVAs. IVAs are individual voluntary arrangements and act as agreements between you and your creditors stating that you will pay all or part of your outstanding debts. To set an IVA in place, you must work with an insolvency practitioner who will collect a lump sum from you monthly and divide it between your creditors as agreed. IVAs are set in place by the courts, so they are legally binding agreements that both parties have to stick to.
You can also get money debt advice on debt management plans UK. Debt management plans are informal agreements between you and your creditors. They can be cancelled at any time. Debt management plans also feature an agreement that stipulates how you intend to pay back part or all of your debts.
You can also get advice on debt relief orders from professional debt solution providers. A Debt relief order is a break from your usual debts. It's a way of dealing with debt when you don't have funds to make payments. A debt relief order will allow you up to 12 months break from certain types of debt. When the debt relief period comes to an end, the debts included in it are written off. If your financial position improves during the debt relief order period, your order will be revoked, and you'll begin paying creditors once more.
Debt advice is professional debt solution guidance provided by qualified and FCA-approved advisors. In most instances, it works with an overindebted individual indicating that they require advice on their mounting debt issue. They must have debts of at least £5000 and will be required to provide details of their debt. After review by the debt solution provider, several debt solutions can be recommended. These solutions can help reduce or write off monthly debts. There's no obligation to accept any of the solutions offered.
When acquiring debt advice in the UK, you can expect to encounter the following features and factors:
Council tax can sometimes mount up, creating insurmountable debt, especially when your budget is stretched. With council tax debt advice, you will learn that a debt relief order or bankruptcy can write off council tax debt.
All debt advice is provided obligation free, but if you decide to opt for one of the debt solutions recommended, you will be charged debt advice expert fees. This is usually in exchange for the management of your debt, as experts will reduce debt, deal with your creditors, and manage your monthly payments.
All debt advice experts available via the platforms we have recommended are qualified and FCA-approved, providing peace of mind.
In some instances, using debt advice solicitors is essential. For a debt management plan which is informal, it is not strictly required. But when implementing a IVA, however, you must use an insolvency practitioner as the agreement is a legally binding one.
Debt advice solicitors services and debt solutions cover the likes of personal loans, payday loans, business debt, rent and mortgage arrears, income tax, gambling debt, festive debt, store cards, council tax, and more.
Debt advice free from obligation comes at a cost when/if you accept the recommended debt solution. This can be in the form of a percentage of the total money being paid back to the creditors or in a service fee.
To apply to connect with qualified professionals to provide you with debt advice free from obligation, follow these 3 steps on the Viva Debt Help platform:
You'll notice a form on the right-hand side of the screen. The first step is to indicate how much debt you're in and then follow the prompts to complete the simple debt assessment.
Once you've submitted the form, your debt situation will be assessed, and a qualified debt solutions advisor will contact you directly.
From the options provided, determine the best solution to help reduce your debt and allow the advisor to help you set it in place. Of course, you're not obligated to choose any of the solutions.
FAQ's
By completing the debt assessment form on the Viva Debt Help website, you'll be indicating that you're interested in receiving debt legal advice. A qualified debt advisor will contact you.
You can apply for a debt relief order bankruptcy – both of which can result in your debts being written off.
Debt solution providers who are qualified and FCA-approved are best for providing advice eon how to reduce or write off debts in the UK.
This means that the debt advisor is operating legally because anyone advising on debt solutions, debt adjusting, or debt counselling must be authorised by the FCA (Financial Conduct Authority). The FCA has a set of standards in place, and being FCA-approved means that you're operating according to those standards.
No, Debt Nurse does not offer debt advice but puts overindebted individuals in direct contact with professional, qualified debt advisors.
Finding a debt solution that works for your situation will require taking some debt advice. If you're ready to take that step, request help today by completing the simple assessment form on the Viva Debt Help website.
Disclaimer: All debt solutions should be very carefully considered. The websites advertised in this paid promotion do not provide debt advice. If you complete the form and provide permission to be referred, they will pass your details onto a regulated debt advice solution provider. All the partners they use are regulated by the Financial Conduct Authority to provide debt counselling. The websites advertised work exclusively with trusted debt solution providers. If you proceed with one of their solution options, they may receive a fee for introducing you to them. The websites advertised are lead generation companies who pass your details onto third parties in order to help you with your debt solution.
