Debt Help

Debt Help | Your Rights, Bailiff Visits & Next Steps

Find a solution. Debt help is available.

Don’t suffer with debt. Get expert help you can trust. Contact us today.

  • Confidential support and guidance
  • Find the right solution for you
  • Remove any worries or stress
Get Debt Help Now

Prefer to read first? See how Debt Help works or view the 3 simple steps ↓

Advisor giving bailiff advice over the phone
Person receiving guidance on dealing with bailiffs

Information is general guidance and not legal advice. We’ll explain your rights around peaceful entry, controlled goods and vulnerability, and help you consider suitable options for your debts.
Next: See how bailiff enforcement works or check if you qualify for help.

  • Write off unaffordable debt
  • Lower your debt repayments
  • Stop interest & charges soaring
Money Helper

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money – or see if you qualify for help with bailiff debt.

Stop Bailiff – Debt Types Slider

We deal with all types of debt

From everyday household bills to serious enforcement action, we explain your rights and help stop bailiff action properly.

Credit Cards
Unsecured Loans
Store Cards
Business Debt
Utility Bills
Catalogues
Overdrafts
Debt Collectors
Bailiff Debts
Court Debts & CCJs
Get help stopping bailiffs
Stop Bailiff – See if you qualify

Complete the questions below and see if you qualify for help.

Safe, secure, confidential

Great news 🎉 it looks like we can help!

We just need a few more details to get your results.

Step 1 of 5

Knowing your total debt helps us determine which debt solutions, including IVA debt help, may be suitable for you. You can also review the 3 simple steps or check the bailiff FAQs.

How we help
with debt problems

If you’re dealing with missed payments, letters, or enforcement action, we help you understand where you stand and what your options are. We explain your rights, check whether any action being taken is correct and show you how to protect your home, income and peace of mind. We can help you arrange affordable repayments, challenge unfair charges, and when needed, speak to creditors or enforcement companies for you.

Want to know what to do next? See the 3 simple steps or check if you qualify for free help.

Advisor guiding you through debt help and financial support

Clear advice. Real support. No pressure.

We look at your situation, confirm what you owe and who is involved, and explain what creditors or enforcement agents can and cannot do. We then help you build a realistic plan whether that means pausing action, setting up affordable payments, or exploring what debt options may be available to stop further action.

You can also see the types of debt we help with or read answers to common questions.

Struggling with debt or missed payments?
Getting letters, calls or threats of action?
Worried about court or enforcement?

Get debt help today

Start the conversation today and get clarity about your debts. Whether you’re behind on payments, receiving letters or facing enforcement action, we explain your options, speak to creditors if needed, and help you set up an affordable plan.
Prefer to read first? See how debt help works ↓

Get debt help

Need help with debt or money worries? We’ll check what you owe, explain your rights, and help you deal with creditors or enforcement action. We can pause action, challenge charges, and explore solutions to reduce or stop what you owe.

Get debt help

Prefer to read more first? See how debt help works ↓

Find a solution, Starting with just 3 steps

It all starts with a single step, but continuing the process, taking one step at a time, could lead you to complete financial freedom.

Already know your situation? Go straight to the qualifying questions.

Step 1
Tell us what’s happening

Take the first step. Answer a few simple questions to give us an idea of your financial situation.

Start here
Step 2
Speak to a specialist

Speaking about debt can be tough. Our empathetic, trained experts will explain how we can help.

Talk to us
Step 3
Put a plan in place

Once we’ve discussed your options, it’s over to you. By this point, debt freedom is in your grasp.

Get my plan

8 Ways debt help could benefit you

Clear steps to handle enforcement, protect your rights, and cut unnecessary visits or fees. We deal with enforcement agents and creditors on your behalf so you stay in control.

1
Freeze interest & charges
2
Reduce stress or anxiety
3
One affordable monthly payment
4
Legal protection from creditors
5
Stop creditor hassle and calls
6
Gain peace of mind
7
Potentially write off debt
8
No need to borrow from family

Ready to take the next step? See the 3 simple steps or check if you qualify for help.

Debt Help

Frequently Asked Questions
Ready to take action? Check if you qualify for help ↓

1What is debt enforcement?
Debt enforcement is when a creditor uses legal or formal action to collect money that hasn’t been paid.
2Why have I been contacted about a debt?
Your creditor has passed an unpaid debt for recovery. The letter or message should show who is owed and what the debt is for.
3Can debt action start without notice?
No. You must receive notice before any enforcement or court action begins.
4Can anyone enter my home over a debt?
For most debts, nobody can force entry without special court permission.
5What should I do if I’m being pressured to pay?
Get advice first. Call 0161 527 7531 for immediate support.
6What happens if I can’t pay my debts?
We’ll perform an initial fact find to see how best to help you. If you meet the criteria for an IVA you will be referred to our associate company Arkle Insolvency Limited for advice and information on the debt solutions available to you including a Debt Management Plan, Debt Relief Order or Bankruptcy so you can make a confident, informed choice.
7How can I stop debt enforcement?
Debt enforcement can often be paused or stopped by entering a formal debt solution or arrangement.
8Can I make a payment arrangement?
Yes. We can help negotiate fair and affordable repayment terms.
9What if I can’t afford to pay?
You still have options, get advice immediately to protect yourself.
10Who can help me?
Our experienced team provides confidential, same-day debt help. Call 0161 527 7531 or chat via WhatsApp.