We can assist you be free from debt
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We treat you as an individual
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We give you comprehensive support
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We're non-profit and our advice is free
Start getting your finances back on track
Get Debt Help
Our debt advice is 100% impartial and confidential
We provide the UK’s most comprehensive debt advice service
Since 2018, we've been helping people with debt problems to take back control of their finances and their lives using our expert support and guidance.
Year of Experience.
Happy Clients.
Advised in 2024
We Help You Achieve Your Financial Freedom
Get Debt Advice
We'll ask you about your current situation so we understand what help is right for you.
Plan to Deal with Your Debts
You'll get tailored advice based on your circumstances.
Take It at Your Own Pace
You can always take a break and come back later.
What Clients Say About Us
"EasyDebtPay helped me consolidate my debts into a single manageable payment, and I’m finally on track to becoming debt-free. The team was so kind and professional throughout the entire process."
"The advisors at EasyDebtPay were amazing. They gave me clear and practical advice on how to handle my debts, and the budgeting tips have made a huge difference. I finally feel like I’m back in control of my finances."
"I was feeling completely overwhelmed by my financial situation, but EasyDebtPay came to the rescue. Their debt management plan has made my monthly payments so much easier to handle. I’m so grateful for their help!"
"I was drowning in credit card debt and didn’t know where to turn. EasyDebtPay negotiated with my creditors and helped me reduce my payments. I now have peace of mind and a clear path forward."
"EasyDebtPay changed my life. Their empathetic approach and expert advice made me feel supported every step of the way. If you’re struggling with debt, I can’t recommend them highly enough."
"I was hesitant to reach out for help, but EasyDebtPay made the whole process so easy and stress-free. Their team was incredibly supportive, and the tailored plan they created has transformed my finances."
"Thanks to EasyDebtPay, I finally feel like I can breathe again. They helped me manage my debts and gave me practical advice that has made a real difference in my day-to-day life. I’m so grateful."
Clear Solutions to Your Common Queries
To avoid your supply being cut off, we can work with you on a plan to pay back what you owe.
If there is no way for you to do that we will look at other ways to deal with your debts.
Sometimes you can do this. It could be that it would take you a very long time to pay what you owe. In this case you could apply for a solution that writes off some or all your debt. But you must get debt advice before doing this.
In some cases, the people you owe money to may choose to write off the debt. It depends what you are dealing with.
If you have a poor credit history, you are more likely to be offered loans and credit to consolidate debt. This could be because you have missed payments or have County Court judgments (CCJs).
These types of credit often have a higher rate of interest which must be paid. Because of this, consolidation may not be the best option for you. Using a credit card or loan that could cost you a lot means you are at risk of more money problems in the future.
It may seem like there’s no help. But there is a range of support available. Trust funds, credit unions, councils, energy companies, the government and charities all offer ways to help.
And we can work with you on your budget so you can afford your bills. We also work with partners who can give you more support where you need it.
Making a budget is the first step towards taking control of your finances and getting back on track.
This helps you to see where your money is going. And that makes it easier to make sure you have covered all the things you need to pay for. When you come to us for debt advice, we will work out your budget with you.
It’s important to know what your rights when dealing with bailiffs, or Sheriff officers.They should write to you before coming to your home. If they visit you there are lots of rules about what bailiffs can and can’t do.
A debt collector is not always a bailiff. Bailiffs have special legal powers to collect a debt.
If you don’t deal with your rent arrears: Your landlord or letting agency could take steps to evict you. But you can take steps to avoid this.
If you don’t deal with mortgage arrears: Your lender could look into repossessing your home. This will happen as a last resort.
You should work out how much you can afford to pay. We can help you put together a budget to do this. You then use this budget to offer to pay what you owe at a rate you can afford. Share your budget with the lender or landlord so they can see you are paying as much as you can. You must keep to the new payment plan they have agreed to.