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Depending on your circumstances, there are a number of solutions available to you that can help lower your monthly debt repayments and get out of debt at a rate you can afford.

Once we know a little more about your financial situation, we will be able to tell you about the options available to you. Then if you wish to go ahead, our preferred debt solution providers will be able to take care of all the arrangements for you.


If you really cannot afford to repay your debts and have no way of clearing what you owe, then Bankruptcy could be the answer to your debt problems.

Bankruptcy is a debt solution that could free you from unsecured debts in 12 months - this means you would no longer have to deal with lenders or manage monthly repayments that you cannot afford.

We strongly advise that you contact a free chartible organsation.

More information can be found by clicking here

Fees do apply, typical costs are:

Bankruptcy costs and fees in the UK In England and Wales:

The application fee is £130 and the bankruptcy deposit is £550

In Northern Ireland:

The court fee is £127, the bankruptcy deposit is £525, and there is a solicitor’s fee of £7

Please note: Bankruptcy should always be considered as a final resort due to the implications involved. For example, you could lose your home if you are a homeowner, your valuable goods will be sold to repay your lenders and you will find it hard to secure credit in the future. It could also affect your working life, for example if you own a business, you could be asked to close it down to help repay your lenders. Also, you may not be allowed to work within the financial sector or in certain public offices.