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Struggling with Unaffordable and Unsecured Debt?

If credit cards, loans or other unsecured debts are becoming unaffordable, we provide clear information about debt options and can help you request an introduction to a debt solution provider.

We cannot help with secured debts such as a mortgage or a loan secured against your home.

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For free and impartial debt guidance, visit MoneyHelper to help you understand your options.

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gpp_good Confidential · England & Wales · Clear Information
Debt Help Options

Understand your options before making a decision.

Different debt solutions have different features, eligibility requirements, advantages, disadvantages and risks. The information below is general information only and is not a recommendation about which option is suitable for you.

IVA

Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) is a formal agreement with your creditors. It requires creditor approval and is administered by a licensed insolvency practitioner.

  • Requires creditor approval
  • Fees apply and will be explained before you proceed
  • Affects your credit record and appears on a public insolvency register
  • Creditors bound by an approved IVA are generally prevented from recovering debts covered by it outside its terms
  • If the IVA fails, creditors may resume recovery action and bankruptcy may be a risk
  • At successful completion, qualifying unpaid debts included in the IVA may be written off
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DMP

Debt Management Plan

A Debt Management Plan (DMP) is an informal arrangement for making reduced payments towards unsecured debts based on what you can afford.

  • An informal arrangement to repay non-priority debts through an affordable monthly payment.
  • Creditors do not have to agree
  • Interest and charges are not guaranteed to stop
  • Creditors may still take action
  • The plan can last a long time
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DRO

Debt Relief Order

A Debt Relief Order (DRO) is a formal debt solution for people who meet specific eligibility criteria relating to their debts, income and assets.

  • Strict eligibility criteria apply
  • Included debts are subject to a moratorium while the DRO remains in force
  • If the DRO remains in place until the end of the moratorium, included qualifying debts are normally written off
  • A DRO can be revoked if eligibility or circumstances change
  • Affects your credit record and appears on a public insolvency register
  • Restrictions apply while the DRO is in force
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BANKRUPTCY

Bankruptcy

Bankruptcy is a formal insolvency process that can deal with debts you cannot repay. It can have significant consequences for your assets, home, income and credit record.

  • Your assets, including your home, may be at risk
  • You may have to make payments from your income
  • Some debts are not written off by bankruptcy
  • Bankruptcy normally ends after a set period, but some obligations can continue
  • Restrictions apply while you are bankrupt
  • Bankruptcy affects your credit record
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Customer Journeys

What could happen next?

Each debt solution has its own journey. The information below explains, step by step, what normally happens if you decide to explore a particular debt solution with an appropriate provider.

IVA account_balance

IVA Journey

What happens if you take this plan?

  • Your circumstances are assessed by the provider you are introduced to, which is responsible for determining whether an IVA may be appropriate for you.
  • Your income, expenditure, debts, assets and creditor position are reviewed.
  • If an authorised provider determines that an IVA is appropriate for your circumstances, a formal IVA proposal may be prepared and sent to creditors for voting.
  • An IVA requires creditor approval and is administered by a licensed insolvency practitioner. Fees apply and should be explained to you before you decide whether to proceed.
  • If approved, creditors bound by the IVA are generally prevented from recovering debts covered by the arrangement outside its terms.
  • You make the agreed payments required by the IVA. The arrangement commonly lasts for several years.
  • An IVA affects your credit record and appears on a public insolvency register.
  • If the IVA fails, creditors may resume recovery action and bankruptcy may be a risk.
  • At successful completion, qualifying unpaid debts included in the IVA may be written off.
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DRO Journey

What happens if you take this plan?

  • A debt adviser assesses whether you meet the DRO eligibility criteria, including the rules relating to your debts, spare income and assets.
  • If you want to explore a DRO further, you can be directed to an approved debt adviser who can assess your circumstances and explain whether a DRO may be available to you.
  • If a DRO is approved, a moratorium applies to the debts included in it while the DRO remains in force.
  • If the DRO remains in place until the end of the moratorium, included qualifying debts are normally written off.
  • A DRO can be revoked if your eligibility or circumstances change.
  • A DRO affects your credit record and appears on a public insolvency register. Restrictions also apply while the DRO is in force.

DRO rules and eligibility criteria can change. This information relates to England and Wales. Check the current official guidance before making any decision. View current DRO guidance on GOV.UK

DMP payments

DMP Journey

What happens if you take this plan?

  • A DMP provider reviews your income and expenditure to calculate a payment based on what you can afford.
  • A proposal may be made to creditors asking them to accept reduced payments.
  • You normally make one payment each month which is distributed to the creditors included in the plan.
  • You normally repay the debts included in the plan in full. Reduced payments may mean that repayment takes longer.
  • Creditors do not have to freeze interest or charges or stop recovery action because a DMP is an informal arrangement.
  • Making reduced payments can affect your credit record.
  • The plan can be reviewed if your circumstances change.
  • Free DMP providers are available, so you do not have to pay a fee for a DMP service.
Bankruptcy gavel

Bankruptcy Journey

What happens if you take this plan?

  • Bankruptcy is a serious formal insolvency process. You should obtain appropriate debt advice before deciding whether to apply.
  • Bankruptcy can affect your home, other assets, income, bank account, employment in some occupations and your credit record.
  • In England and Wales, you apply for bankruptcy online. The current application fee is £680.
  • The Official Receiver or a trustee may take control of certain assets and may deal with your interest in your home.
  • Depending on your disposable income, you may be required to make payments from your income for a period of time.
  • Bankruptcy does not write off every type of debt. Some debts remain payable.
  • You are normally discharged from bankruptcy after a set period, although some restrictions, payments or other obligations may continue beyond discharge.
  • Bankruptcy can stay on your credit reference file for six years from the date of your bankruptcy. Restrictions also apply while you are bankrupt.
  • Many debts included in the bankruptcy may be written off on discharge, subject to the applicable rules and exceptions.

Bankruptcy rules, fees and consequences can change. This information relates to England and Wales. Check the current official guidance before making any decision. View current bankruptcy guidance on GOV.UK

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MoneyHelper provides free and impartial guidance to help you understand your debt options.

Important choice before you opt in

Free debt advice is available.

Before you ask eZe Debt Help to contact you, you should know that free, impartial debt guidance is available through MoneyHelper and other free debt advice organisations.

You can choose to speak to MoneyHelper first, or you can opt in for eZe Debt Help to contact you, provide clear information about debt options and help you request an introduction to a provider.

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Important information

eZe Debt Help is an information and introduction service. We do not provide regulated debt advice.

Our initial information and introduction service is free. We may receive a referral fee or commission from a provider following an introduction. The amount may differ between providers. We do not provide regulated debt advice or recommend a debt solution. The provider will explain its service, any fees and the options it considers available before you decide whether to proceed.

How It Works

Understand your options. Debt advice is available whether or not we can introduce you to a partner.

eZe Debt Help provides general information about debt solutions and can help you request an introduction. We do not assess which solution is suitable for you or make a recommendation.

1 fact_check

Tell us about your circumstances

You can provide some basic information about your debts, income, household circumstances and whether you rent or own your home.

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Receive general information

We provide general information about the main debt solutions and explain how they normally work. We do not recommend a particular solution or assess which one is suitable for you.

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Request an introduction

Where appropriate to our introduction service, you can request to be introduced to a partner who can discuss the services and options they provide.

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You decide what happens next

There is no obligation to proceed following an introduction. Any provider you speak to should explain its service, your available options and any applicable fees before you decide whether to proceed.

Important Client Protections

Privacy, additional support, duty of care and opting out.

These sections should be read before submitting your details. They explain how eZe Debt Help treats your information and how we support clients who may need extra care.

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Privacy policy statement

We only ask for information needed to complete the criteria checker, respond to your enquiry and, where appropriate, introduce you to a regulated debt help partner.

Your information is handled securely and only shared where you have opted in or where we are required to do so by law.

You can ask what information is held about you and request that your details are removed, subject to legal or compliance requirements.

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Additional support

We understand that some people may need additional support when dealing with debt or completing an enquiry.

If you need extra time, clearer explanations, or help using our service, please let us know what support you need. You do not need to provide medical or health information.

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How we treat customers

eZe Debt Help will aim to communicate clearly, avoid pressure and explain free debt advice options. We do not assess which debt solution is suitable for you or make a recommendation. Any provider you speak to should explain its service and the options it provides before you decide whether to proceed.

The provider is responsible for assessing your circumstances, explaining the options available to you and discussing whether a particular solution may be suitable before you decide whether to proceed.

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Opting out procedure

You can opt out at any time. Use the unsubscribe link in an email, or contact eZe Debt Help and ask for no further contact.

Once you opt out, we will stop marketing contact and update our records, subject to any legal or compliance record-keeping requirements.

Frequently Asked Questions

Clear answers to common debt questions.

Find straightforward general information about debt solutions, how our introduction service works and what may happen next.

Service

What service eZe Debt Help provide

eZe Debt Help provides general information about debt solutions and can help you request an introduction to a debt solution provider. We do not provide regulated debt advice, assess which debt solution is suitable for you or make a recommendation. Our introduction service is currently available to people living in England and Wales.

Make an Enquiry

Tell us about your debts.

We provide general information about debt solutions and can help you request an introduction. We do not assess which solution is suitable for you or make a recommendation.

Our introduction service is currently available to people living in England and Wales.

Do you have any assets that you could sell to satisfy the debts, for example properties, cars or other valuables?

Introductions are currently available in England and Wales only.

Submitting this form does not commit you to any debt solution. eZe Debt Help provides general information about debt solutions and can help you request an introduction. We do not assess which solution is suitable for you or make a recommendation. Any provider you speak to should explain its service, the options it provides and any applicable fees before you decide whether to proceed. Free debt advice is also available through MoneyHelper and free debt advice organisations.

What Our Clients Say

What people say about our service

Feedback from people who contacted eZe Debt Help about their circumstances.

★ ★ ★ ★ ★
A fresh start
The team explained everything clearly and helped me understand my options. I finally feel in control of my finances.
Sarah T.
★ ★ ★ ★ ★
Excellent support
I was worried about contacting someone about my debts, but the information and support made the process much easier.
Verified Customer