Find out how you can reduce your payments
If you are having difficulty keeping up with debt repayments we may be able to help. Get information about debt solutions available in the UK which could help you to reduce your debts.
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Find out how you can reduce your payments
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Debt Solutions
Debt Management
- Lower monthly payments
- For debts from £1,000+
- Flexible for your needs
- Payments based on what you can afford
Bankruptcy
- When you can no longer afford to pay your debts
- Allows for a fresh start
- Can be dealt with in as little as 12 months
- Stops creditor harassment
IVA
- Write off problem debt
- Usually lasts 60 months
- Payments based on what you can afford
- Offers you legal protection from your creditors
Debt Relief Order
- When you can no longer afford to pay your debts
- For debts Below £50,000
- For people with little or no assets (up to £4,000)
- Usually completed in 12 months
About Debt Relief Hub
Our goal is to help you deal with your debts in a way that fits your life, so you can move forward with confidence and peace of mind.
Why choose Debt Relief Hub?
1. Lower Fees
– More Savings
We offer finding a debt solution in the UK, committed to helping individuals manage and repay their debts more efficiently.
2. Instant set up
Same-Day SupportReady to take action?
We can get your debt solution on the same day you speak with us, so you can start taking control of your finances without delay.
3. High acceptance rate
Strong Creditor RelationshipsWe work hard on your behalf, using our strong relationships with creditors to give your debt solution the best possible chance of acceptance. While we can’t guarantee it, the debt solution always aim to have interest and charges frozen to help you get the most out of your plan.
4. Excellent Customer Service
Friendly, Experienced SupportJoin People Who’ve Taken Control of Their Debt
Reduce your monthly payments?
Client Debts
| Loans | £6,247 |
| Credit Cards | £5,264 |
| Payday Loans | £1,126 |
| Overdraft | £700 |
| Store cards | £320 |
| Catalogue | £78 |
| TOTAL DEBT | £13,735 |
Total monthly repayments before plan
Total monthly repayments when in plan
Get In Touch
One of our reps will get back to you within 24 to 48 hours
Frequently asked questions
We deal with Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), bankruptcy support, and consolidation options.
No – all initial advice is completely free. If you choose to enter into a formal debt solution, any fees will be clearly explained upfront before you proceed.
A DMP is an informal arrangement where we negotiate with your lenders to reduce monthly repayments, making your debts more affordable over time. It covers unsecured debts like credit cards, loans, and overdrafts.
An IVA is a legally binding agreement between you and your creditors. You make manageable payments for around five to six years, and any remaining debt is typically written off at the end of the term.
A DRO is suitable if you owe less than £50,000, have low disposable income (usually under £75/month), and own limited assets. If you qualify, your debts are frozen for 12 months and could be written off if your situation hasn’t improved.
As of April 2024, the £90 application fee for DROs in England and Wales has been removed, making access easier for those on low incomes.
We’re committed to helping people find the best solution for their debt situation. Our advisors provide honest, practical guidance and we’re regulated by the Financial Conduct Authority. You’re in safe hands with a team that values transparency and respect.
It depends on the solution:
DMPs: Timeframes vary based on your ability to pay.
IVAs: Usually 5–6 years.
DROs: Typically 12 months.
Debt Settlement: May take 2–4 years depending on how quickly you can build up funds.
While legal action is always a possibility, working with us helps you take proactive steps to reduce that risk. We aim to get agreements in place to protect you from enforcement wherever possible.
If your credit cards are included in a debt solution, you’ll normally need to stop using them, and the accounts may be closed by the lender.
Yes, especially in debt settlement plans, we work with your creditors to agree reduced payoffs, often settling debts for significantly less than the full amount owed.
You can reach out via:
Email or Online Form: We’ll get back to you promptly
If you’re unhappy with any part of our service, you can speak with our team or submit a formal complaint. We take all feedback seriously and aim to resolve issues quickly and fairly.