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Check If You Qualify
Check If You Qualify
  • Debt Help

Not Sure Where to Start? Start Here.

Debt problems build up gradually. This page helps you spot the signs, take the first step, and find the right kind of help for you.

Check my eligibility

*Takes less than 60 seconds. No impact on your credit score to check.

Check if you qualify

  • 60 seconds  
  •  No credit impact
  • No obligation
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Please note that debt solutions may not be suitable for everyone and fees may apply Click Here. Entering into an IVA will impact your credit rating.

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  • Debt Help

Say goodbye to debt stress

Using credit to cover everyday essentials

Only ever paying the minimum, and balances aren't shrinking

Missed payments, or shuffling money between accounts to cope.

Avoiding letters, calls, or your banking app.

Bills keep increasing every month

Using credit cards for daily expenses

Missing repayment deadlines

Feeling stressed about debt

Recognise two or three? That’s a sign it’s worth talking to someone not a sign you’ve failed.

  • Debt Help

Your First Steps

List what you owe :

Who, how much, minimum payments

Sort priority vs non-priority debt :

See our [Types of Debt] guide

Talk to an adviser :

No plan needed, just a conversation.

Find out what's actually available to you :

Formal solution, informal plan, or just budgeting support.

What kind of help is available?

  • Your Situation
  • Unaffordable debt, multiple creditors.
  • One specific type of debt (credit card, payday loan, CCJ, etc.)
  • Just need to get back on track.
  • Not sure which applies to you.
  • What could Help
  • An IVA, DMP, DRO, or Bankruptcy — see [Debt Solutions]
  • Guidance specific to that debt — see [Types of Debt]
  • Free budgeting help via MoneyHelper.
  • A quick chat with us — that's what it's for.
 Check What I Could Qualify For
  • Debt Help

How it works

Tell us what's going on

Quick, confidential, no documents needed

Speak to a real adviser

Plain English, no jargon

Decide in your own time

Zero pressure, zero obligation

  • Debt Help

You don’t have to figure this things out alone.

Talking about money is hard, even when it shouldn’t be. Debt is one of the most common financial struggles in the UK reaching out is simply the first step.

Confidential. No pressure. No obligation.

Speak to Someone Today
  • Good to know

Frequently asked questions

 Debt Bridge is a UK-based service that helps people struggling with debt understand their options and connects them with regulated debt advisers who can recommend the right solution for their circumstances, such as an IVA, Debt Management Plan, DRO, or bankruptcy.

Yes. Checking what you qualify for and speaking with an adviser is completely free and confidential, with no obligation to proceed. Some debt solutions themselves may involve fees, which will always be explained clearly beforehand.

Most formal debt solutions, such as an IVA, DRO, or bankruptcy, will affect your credit file, typically for around six years. This is something an adviser will explain fully so you can weigh it against the benefits of becoming debt-free.

Depending on your circumstances, certain solutions like an IVA or DRO may allow a portion of unaffordable debt to be written off. Eligibility depends on factors such as how much you owe, your income, and your assets. This isn’t guaranteed and will be assessed individually.

 This varies by solution. Some options are designed for smaller debts, while others, like an IVA, typically apply to £5,000-£6,000 or more owed across multiple creditors. Our free check will help identify what you may be eligible for.

Ignoring debt usually allows interest and charges to keep building, and creditors may escalate action, including default notices, County Court Judgments (CCJs), or involving debt collectors or bailiffs. Getting advice early generally gives you more options.

No. Debt solutions like a DMP or IVA are not new borrowing they’re structured ways to repay or resolve existing debt, often at a reduced, more manageable monthly amount.

Yes. Scotland has its own debt solutions, including Trust Deeds and Debt Arrangement Schemes, which differ from options available in England, Wales, and Northern Ireland. We’ll point you to the right guidance based on where you live.

Once you’re on a formal solution such as an IVA or DRO, creditor contact and pressure typically stops as they are legally required to deal with your appointed representative instead of you directly.

Debt Bridge works with FCA-authorised and regulated debt advice partners, including licensed insolvency practitioners, to ensure any advice or solution offered meets UK regulatory standards.

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