Helping you clear your personal debt - Take the first steps towards clearing your debt today.

Worried about money? Clear up to 85% of your personal debt

Check now to find out how much debt you could clear with a UK regulated and approved debt solution. A solution such as an Individual Voluntary Arrangement (IVA) could write off up 85% of your debt, freeze interest & charges and relieve pressure from creditors.

Check how much debt you could clear

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  • no-regular-income
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UK Legislated Solution

Use a UK legislated solution to clear up to 85% of debt. Freeze interest & charges.


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Find the best and most appropriate debt solution available to you today.


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We understand the position you are in and our advice is strictly confidential.

Great Reviews

The quality assurance and service we provide are reflected in our customer reviews.


Regulated Advisors

All our advisors are regulated to give full and final debt advice.

Take away your money worries

Here at Debt Advice Line we are sensitive to each person's unique situation and debt levels. We treat you as an individual and provide you with the most appropriate debt solution available. Our aim is to alleviate your money worries and if appropriate help you write off a portion of your debt.

  • Solutions tailored to your circumstances
  • Store cards, bank cards, council tax and more
  • Find out how much you could write-off


26th Nov 2021

Jill at debt movement is awesome.

I have used this company to sort out all my money issues. They were amazing and really helped me with everything I was going through not jst financially but also mentally. Jill was absolutely unreal, if anyone needs guidance, support in debt management this is definitely the company to use. Couldnt Highly recommend this company enough. Thank you so much for all your help and support 2022 is now a better year and im happily moving forward stress free. Sharon Torrance
14th Feb 2022

Put my mind at ease

I have to say debt management put my mind at ease they made my life so much better they've got my debt under control it is so easy when they talk to you they make it so wonderful just to talk to them and it isn't recommend it to anybody anywhere. Mr Roy
7th Feb 2022

Amazingly helpful and professional

A debt management company who actually cares about us without compromise, their approach towards debt has been somewhat surprising if I'm honest. They work swiftly and smoothly ensuring that they make everything transparent with their customers wellbeing in mind. Thank you debt movement for your help and a special thanks to Ashleigh who was amazingly helpful and professional, your support and encouragement was a breath of fresh air. Well done to all at debt movement. Burchin Rifat

Write off your debt in 3 simple steps

Seek debt help from regulated advisors like us and we will inform you of the best plan based on your debt level and income.

Just a small selection of creditors we can help with

Write off Creditor Debts

Debt solutions available

Debt Management Plan (DMP)

A Debt Management Plan (DMP) is an informal arrangement made with your creditors to pay a monthly amount that you can afford. Normally you will repay your affordable amount in monthly instalments until your debts have been paid in full.

Individual Voluntary Arrangement (IVA)

An IVA is a legally binding agreement between you and your creditors. With the help of a licensed Insolvency Practitioner, you put forward proposals to creditors to agree to repay as much as you can reasonably afford, usually over 5 years, after which any remaining debt is written off.

Debt Relief Order (DRO)

A Debt Relief Order (DRO) is a low-cost alternative to bankruptcy as long as you have a low disposable income, low debts and low assets and you meet the qualifying criteria.


Bankruptcy is a formal insolvency route for individuals with debts that they cannot pay. Bankruptcy can have serious financial implications so is often the last resort and is usually applied for when no meaningful alternative can be offered to creditors.

Frequently Asked Questions

Is Debt Advice Line a Charity?

Debt Advice Line is a trading style of Debt Movement UK Ltd and is not a charity.

You will be provided whole of market advice in relation to your financial circumstances, regulated by the Financial Conduct Authority (FCA).

Debt Movement UK Ltd are committed to helping as many people as possible move out of debt. If the best solution is for you to be directed to a fee free service administered by a charity, you will be referred to them. There are no up front fees to pay in relation to the advice provided.

The Money Advice Service) which is a free service set up by the Government to help people make the most of their money. If you would like to learn more click here.

Will my credit rating be affected?

If you are struggling with money and have already defaulted on your payments, it is likely your credit rating has already been impacted.

Creditors update your credit file each month and where payments are less than the contractual payment, a default is registered which remains on your credit file for 6 years.

All debt solutions will impact your credit file, some more than others. Your advisor will be able to explain the impact of each solution on your credit file in more detail. By taking control now you will be able to start to rebuild your credit rating sooner rather than later.

How much do I have to pay?

There are no up front costs for a review of your financial circumstances and a discussion about your options.

If you have a disposable income (money left over from your income after all of your reasonable living expenses have been taken into account), it is likely that your chosen debt solution will require you to contribute this towards repayment of your creditors.

Depending on your chosen solution, there may be fees payable, but these may be incorporated into your monthly payments – you can find out more on the following links: Bankruptcy, Debt Relief Order, Debt Management Plan, Individual Voluntary Arrangement.

*Can I write off 85% of my debt?

Not all debt solutions enable debt write off and your financial circumstances will be different from your friend, co-worker or relative who may have entered into a similar debt solution.

Debt Advice Line is a trading style of Debt Movement UK Ltd who propose and administer Individual Voluntary Arrangements (IVAs). From September 2020 – April 2021, 39% of our clients who successfully completed their IVAs received debt write off of over 85%.