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These services give free, independent debt advice. They can look at your whole situation and help you decide what to do.
Debt advice and debt management companies in England and Wales, highest Trustpilot score first. A score is not a sign that a company or solution suits you.
Debt advice and DMPs · IVA services
4.9 / 5 1,032 reviews on Trustpilot checked
Online debt adviser. Free advice, then a fee-charging plan or a referral to an IVA, DRO or bankruptcy.
Fees: Advice is free. A debt management plan costs £55 a month for six months, then £39.50 a month. IVA fees come out of your IVA payments.
Good to know: Free advice, but most plans charge fees. IVAs are run by an outside insolvency practitioner.
Debt advice and DMPs · IVA services
4.6 / 5 4,405 reviews on Trustpilot checked
Free debt advice and free debt management plans. IVAs go to its sister company, PayPlan Partnership.
Fees: Free debt advice and free debt management plans. IVAs are run by a sister company, and IVA fees come out of your monthly payments.
Good to know: Creditors pay PayPlan donations to fund its plans. An IVA is run by a different company.
Debt advice and DMPs · IVA services
4.6 / 5 2,727 reviews on Trustpilot checked
UK debt charity giving free advice and free debt management plans. It also sets up and manages IVAs through its own subsidiary, StepChange Voluntary Arrangements.
Fees: Free debt advice and free debt management plans. IVAs have fees: they come out of your agreed monthly payment, with no up-front fee. It says IVA fees go back to the charity.
Good to know: Its advice and debt plans are free, but its IVAs, run by its own subsidiary, charge fees.
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