Debt help and advice

We provide confidential, expert debt advice and could help you to:

Find the solution to your debt problems
Freeze or reduce interest and charges
Avoid bankruptcy
Get back in control of your debts

Frequently asked questions

Debt is a complex subject. It's easy to end up 'over your head' in debt, worried and confused about where you stand, what the consequences could be and most importantly, what to do about it.

Make the wrong decision and you could easily make your problems much worse. That's why it's so important to get some professional debt advice sooner rather than later. Our experts can help you explore your options and could help you get out of debt without entering bankruptcy.

What if I need more than debt advice?

Many people find that just talking to someone about their problems is all they need to get their finances back on track.

But that's not always the case. If your debt problems are more serious, you may need some hands-on debt help. We provide a service that's specifically designed to help ease the pressure you may be under. We'll deal with your creditors for you, bring your monthly unsecured debt payments back down to a realistic level, and help you repay your debts at a rate you can afford.

What kind of debt help do you provide?

We can help you get your finances back on track with a debt management plan. This is a process by which we review your finances with you, calculate what you can afford to repay per month and show your creditors that making those lower payments would be the best way for you to repay your debts. We'll be with you all the way through your debt management plan, providing help and advice, dealing with your creditors for you, distributing payments - and renegotiating the terms of your plan if for any reason your circumstances change.

Can you help me avoid bankruptcy?

In most cases, your creditors don't want you to go bankrupt any more than you do. They'd rather you repaid the money in full, even if it takes longer than originally expected.

With our debt management plan, you could avoid the negative consequences of bankruptcy - and your creditors could look forward to getting their money back in a way that you can realistically commit to.

Repaying debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and possibly in the medium to long term. Conditions apply. Calls are recorded.

Debt advice

If you're a resident of Ireland and worried about your debts, we can recommend the best way of repaying your debts.

The sooner you take action and get speak to someone to obtain some one-to-one debt advice, the more likely it is you'll be able to do that without declaring yourself bankrupt.

Here's a quick look at how our Debt Management Plan could make your debts affordable again.

You talk to us

Talk to us and find out if debt management could be the best way to tackle your unsecured debts.

We talk to your creditors

We'll speak to your creditors on your behalf and arrange an affordable repayment plan to suit your circumstances.

We're there for you

We'll support you right up to the day your debts are repaid. We distribute payments, handle letters and phonecalls, help you with your finances - and do everything we can to make your plan a success.

To read more about the fees associated with our services please click here.

"Simply outstanding! Without the help and patience of the fabulous staff, I don't know where I'd be. I am extremely grateful for the easy, helpful and patient explanations and guidance. Many, many thanks from a once very desperate, anxious and stressed woman."

Mrs S.K. Wexford

"All staff were most helpful, gave me great peace of mind and kept in touch with all that was going on."

Mr M.D. Dublin

"I found the service to be fantastic, I wouldn't know where I would be without the help you have given me. I am very grateful."

Mrs J.A.

"I am now happy that my family's financial future has been taken care of. So a big thank you to all for taking away the worry of my debt and helping me regain control of my finances."

Mr E.G.

"I would like to send a big thank you for helping me clear all my debts. Keep up the good work!"

Miss A.M.

Debt help and advice

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Debt advice