Solutions to debt

There are many solutions to debt. Which is the right one for you depends entirely on your circumstances. To find out more about these solutions to debt, read the following articles, which take a completely unbiased view on their advantages and disadvantages.

Debt management

Debt management allows you to get back in control of your finances without taking out another loan. Most commonly, this is done through a professional debt management company, but it is possible to negotiate with your creditors yourself.
Read more about debt management here

Debt consolidation

With debt consolidation you can combine multiple debts into one loan. This means your debts are easier to manage and you can often get a better rate too.
Read more about debt consolidation here

IVA

An IVA is a legally binding agreement between you and your creditors where, depending on circumstances, a large percentage of your debt can be written off.
Read more about IVAs here

Remortgage

Remortgaging can release cash tied up in your home to be used for a number of purposes. Most popular amongst these is paying off debts.
Read more about remortgages here

Remember, Debt Advice 4 Free is a completely free, impartial service. Although the information on this website is provided by industry experts, it should never replace the advice of a debt adviser who understands your individual circumstances. You can visit the directory section of this website to find a list of companies offering these services.

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What is debt consolidation?

Debt consolidation simply means replacing multiple loans with one new loan. If you have debts with different creditors, you can combine them into one loan using a debt consolidation loan.

Find out more about debt consolidation here >>