Welcome to The Debt People

Good news!

You may be eligible for a debt solution.

To ensure you get the best possible advice and end up on the right plan we'll need a little bit more information. One of our advisors will contact you shortly.

You you'd like to call us at a convenient time simply call us on 0800 988 2318


We're here to help you find a debt solution. Here's how it works:

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1. Answer a few questions

One of our friendly advisors will ask you a few questions about your income and expenditure to help us find the best solution for you.

We don't judge, we're just here to help.

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2. Find a solution

If you're eligible for an IVA and decide to proceed with our help, we'll contact your creditors and let them know that you're a customer of ours.

We'll deal with your creditors.

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3. We put you first

Once on an IVA you'll make one affordable payment to us each month and we'll distribute the payment to your creditors.

At the end of your IVA you could write off any outstanding balance.



Find a solution
IVA advisor

Do you qualify for an IVA?

To be eligible for an IVA, you must meet certain criteria:

What debts can and can’t be included in an IVA?

Most unsecured debts can be included in an IVA:

  • Credit cards and store card
  • Payday loans
  • Personal loans
  • Overdrafts
  • Gas, electricity, and water bill arrears
  • Council tax arrears
  • Income tax/ National Insurance arrears
  • Tax credit/ benefit overpayments
  • Debts to family and friends

A few debts, however, cannot be included in an IVA:

  • Mortgages
  • Other secured loans
  • Hire purchase agreements
  • Debts incurred through fraud
  • Court fines
  • TV license arrears
  • Student loans
  • Child support arrears
  • Social fund loans

Joint debts can also be included but the other person must continue to make their payments