Check if you qualify

Write off up to 81% of your debt

Speak to an expert to discover all the debt solutions available to you.

Check if you qualify

Safe, secure & confidential

Authorised and regulated by the Financial Conduct Authority. Advice is free but fees and disadvantages may apply if you enter a debt help solution. May not be suitable for all. Read here.

Help also available at MoneyHelper

Freeze interest & charges on included debts

Write off unsecured debts over £7,000

Reduce monthly repayments

Such a transparent, honest and decent company. They’ve supported me through some tough times where my finances were badly affected, without any judgement.


Lauren

Amazing, has taken the worry out of my life, I can move forward being able to rebuild my future. 


James

I have had an excellent service; the team have been friendly, explained everything clearly and the service overall has been extremely efficient, I am definitely recommending them.


Jackie

Why choose Your Debt Expert?

270,000+

People we’ve helped with debt

Free advice

on all UK debt solutions 

Excellent

Reviews on TrustPilot

How do I get started?

Answer a few quick questions

Use our easy online questionnaire to start the debt help process.

Speak to a debt specialist

Our friendly, experienced team will explain all the available options.

Choose your plan

Select the best solution for your circumstances and lifestyle.

Check if you qualify

What debt solution is best for me?

Individual Voluntary Arrangement (IVA)

An IVA is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts at an affordable rate.
Find out more

Debt Management Plan

A debt management plan, also known as a DMP, is an informal solution designed to reduce your monthly payments towards your debts.
Find out more

Trust Deed

A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £6,500 or more of unsecured debt.
Find out more

Debt Arrangement Scheme (DAS)

A debt arrangement scheme (DAS) is a legal debt management scheme first introduced as a way to help people repay their debts.
Find out more

Here’s an example of how we can help.

See how an IVA could help you with this simple example to consolidate debts into one smaller monthly payment and write off unaffordable debt.

Let's say you owe..

Bank Loans

£5,366.00

Gas Bills

£129

Pay Day Loan

£1,989.00

Overdraft

£1,234.68

Debt Collection Agency

£380.16

Short Term Loan

£243.88

Council Debt

£1,009.24

Credit Card

£8,433.00

Total amount owed:

£19,256.57

After an IVA

Monthly payments are based on individual financial circumstances

Check if you qualify

Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

Important information

Your Debt Expert is a trading style of Clarity Insolvency, company registration number 17179172. Registered office: Unity House, Westwood Park Drive, Wigan, WN3 4HE, England. ICO registration number: ZC147387.

Your Debt Expert is a marketing and enquiry capture website. We provide general information about debt solutions and collect enquiry details to enable Clarity Insolvency to assess your circumstances and eligibility for insolvency solutions. Your Debt Expert does not provide personalised debt advice or recommend specific debt solutions.

Where appropriate, Clarity Insolvency may provide advice in reasonable contemplation of an insolvency practitioner’s appointment, following an assessment of your individual circumstances. Not all customers will be eligible for an insolvency solution, and an appointment is not guaranteed.

Debt solutions and insolvency procedures may not be suitable for everyone and can affect your credit rating, ability to obtain future credit and, depending on your circumstances, your assets or employment. Some solutions may involve fees and other disadvantages, which will be explained before you proceed.

Anthony Fisher (IP No. 9506) is licensed to act as an Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association (IPA).

Details of how your personal information is collected, used and shared can be found in our Privacy Policy.

Free and impartial debt advice, guidance and information is available from MoneyHelper.