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    Free yourself from debt!

    Freeing yourself from debt problems is much easier than you think. Debt Options can help you look at the right solution.


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  • debt-problems

    Debt Problems?

    Debt Options can help you find the right solution. Our team have over 11 years experience assisting people with serious debt problems.

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  • debt-management

    Advice on Debt Management

    We’re Debt Management experts and can give impartial advice on how a debt management plan can help solve your debt problems.


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    Need help with an IVA?

    Our team has helped 1000's of people solve their debt problems with IVA's. We can help you too.


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IVAs

Free yourself from debt with an IVA. We can help you through the process successfully.

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Debt Management

Clear your debt with a debt management plan. We can offer independent advice and guidance.

Advice and guidance for better managing your debt...

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Do you need Debt Advice?

 
As our name suggests, Debt Options can help you find the right debt advice and solution from the various options available. Our team have over 11 years experience assisting people with serious debt problems and have helped thousands of people clear their debts with either an IVA or debt management plan.
 
We are completely independent and are not funded by, or connected with any lender. This means we can offer unbiased debt advice and a completely impartial service, whichever route you choose to select, be it an IVA, Debt Management Plan, a Trust Deed (if you live in Scotland) or advice on Bankruptcy.

Debt problems? – Don’t be afraid of dealing with your debt!

Debt ProblemsWith economic conditions in the UK still very testing, debt problems continue to mount up for a large proportion of the population. Mortgage repayments, credit card debt and other forms of debt obligation can quickly grow to unmanageable proportions and spiral out of control, particularly if a change in circumstances such as redundancy or a reduction in working hours is thrown into the mix. Sometimes, poor spending habits are also a factor, contributing to debt problems without us really being aware of what is going on.

Debt Problems in the UK

UK DebtDebt problems are on the increase in the UK, with many consumers finding it hard to balance the demands of mortgage repayments, credit card debts and the everyday expenses of running a household. With many also dealing with the threat of redundancy or the pain of losing their jobs, it’s inevitable that debt problems in the UK are on the increase.

IVA Information

IVAAn IVA (Individual Voluntary Arrangements), is a formal proposal for repayment of debts that is presented to creditors via an Insolvency Practitioner. IVAs were first introduced to the UK in 1986 under Part VIII of the Insolvency Act 1986 and they are a legitimate and legal way to handle certain types of debt. An IVA is usually used to manage unsecured debts, and generally does not affect the claims of secured creditors. However, it is possible in some cases to use an IVA to also cover secured debts.

Living With An IVA

Consumers considering an IVA usually have many questions about what life might be like during the lifespan of the agreement. There is a great deal of so-called IVA debt advice on the Internet, yet finding useful factual information can sometimes prove difficult.

Who are we?

About Debt OptionsDebt Options is a trading style of Financial Management Limited. We are a professional debt advice organisation whose company principals have been helping people solve serious debt problems for more than 11 years. We have found debt solutions for many thousands of people, many of whom have now completed their IVA or debt management plan, and are comfortably living within their means.

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