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How it Works

Alleviate Your Financial Stress

If you’re feeling overwhelmed by debts from sources like credit cards, payday lenders, or old utility bills, TooMuchDebt and our partner, The Debt Advice Service, can help.

We collaborate to ease your financial burden and guide you towards debt freedom.

Ease Your Financial Strain

If you find yourself stressed over…

  • Overdrafts
  • Credit cards
  • Payday lenders
  • Doorstep lenders
  • Old phone or utilities contracts
  • Store cards
  • Catalogues
  • Loans of any kind

Our trusted partner, The Debt Advice Service, may be able to provide the assistance you need.

Working together, we aim to alleviate your stress and set you on the path to financial freedom.

Simple, Straightforward Debt Help

Engaging with The Debt Advice Service is unlike dealing with banks or credit providers. They offer a fast, confidential service with no initial commitments, helping you explore potential solutions at your own pace.

Get Started Today

The Debt Advice Service will help you understand your debt options in clear terms. They don’t provide direct counselling but ensure you’re aware of all available solutions, connecting you with trusted partners to pursue the right one for your situation.

Begin Your Journey

By contacting The Debt Advice Service, you’ll receive:

  • A dedicated point of contact
  • Support from a knowledgeable team with extensive experience
  • Clear guidance through multiple communication channels
  • A confidential, non-judgmental approach

Success Stories

Josh reached out to a Debt Advice Service after seeing an ad on Facebook, despite initial skepticism and low expectations. Overwhelmed by his financial situation, he was missing repayments, relying on new credit cards and payday loans to manage existing debts, and facing debt collectors at his doorstep.

Through a standard Individual Voluntary Arrangement (IVA), Josh will pay £3,650 in fees to the Insolvency Practitioner (IP) for arranging and managing the IVA, and £2,350 to his creditors. The remaining £5,000 of his debt will be written off upon successful completion of the IVA. However, it is important to note that any changes in Josh’s circumstances during the IVA could affect this arrangement.

Can you relate to Josh’s story? If so, find out if you can apply by clicking here.