Start taking control of your debts now!

Our vision & promise is to offer a safe place for people in debt to find help and support. Our services come without jargon. We are open, honest and helpful.

Start with 3 easy steps

Check If You Qualify

Get started online today

Speak To IVA Advisor

Our friendly, experienced team will explain the available options

Choose A Plan

Select the best plan for your circumstances and lifestyle.

Solutions we can help with

Once you’ve completed our free online assessment or spoken with one of our
debt advisors, we will have a better idea of what’s going on for you. Then,
we can discuss all the options you qualify for.

Main Debt Solutions

Debt Management Plan (DMP)​

A debt management plan (DMP) helps you to manage your debts and pay them off at a more affordable rate by making reduced monthly payments.


An IVA could allow you to make affordable repayments to your debts over a fixed period, with the remaining debt written off at the end.


We will assess your situation to determine if bankruptcy or an alternative solution is your most suitable course of action.

Debt Relief Order (DRO)​

A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets.

A DRO freezes your debt repayments and interest for 12 months. If your financial situation hasn’t changed at the end of this period then all of the debts included will be written off.

If you live in Scotland you may also qualify for other options such as

You can make affordable payments over four years and after this time any remaining debts are written off.

Repay your debts at an amount that’s affordable to you.

MoneyHelper joins up money and pensions guidance to make it quicker and easier to find the right help. MoneyHelper brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.

Debt We Can Help With

Loans & Overdrafts

Store & Credit Cards​​

Benefits Over Payments​

Catalogues & Buy now – pay later agreements

Debts with a Court Judgement​

HMRC & Council Tax Arrears​

Rent, Gas and Electricity arrears

For other debts contact Gravity Plus for clarification