See customer review scores, services and fees. We provide information and comparisons. The company you contact will assess your circumstances.
Selected companies, highest Trustpilot score first. How we compare
These services are free and independent. They can look at your whole situation, including options that these companies do not offer.
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Scotland: debt solutions are different here (for example, Scotland has Protected Trust Deeds rather than IVAs). Our guides cover England and Wales. We only show companies that say they work in Scotland, and we have not checked every service they offer there. Free advice is always an option: see the free help below.
What the score means: how customers rated a company on Trustpilot. It is not our rating, and it does not show whether a company suits you. What a score cannot tell you
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Debt advice
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
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
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.
Opens the company’s website.
Debt advice and DMPs
4.6 / 5 351 reviews on Trustpilot checked
Debt adviser with fee-charging debt management plans. IVAs go to its sister company, MoneyPlus Insolvency.
Fees: Debt management plan fees: £52 a month (or 49% of your payment, if lower) from your first payment. A £500 arrangement fee is taken from the same payments, in parts, for up to 18 months. Ask how much of each payment reaches your creditors while both fees are taken. IVA fees come out of your IVA payments.
Good to know: Its plans charge fees. Free plans are available elsewhere.
A score shows how customers rated a company on Trustpilot. It does not show whether an IVA or any other solution is right for you, what it will cost you, or how many arrangements finish successfully. Ask any company to explain its fees and what happens if your situation changes.
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