Debt Wise

How do I start?

All you need to do is give us a few details about yourself and your debts using the form on the right. Your details will be instantly transferred to an expert debt advisor, who will call you to discuss the options available to you and what’s best for you. If you’re happy with an option, you just tell your advisor and your debt recovery could start today!

How long will it take for my debts to clear?

This will vary depending on your debts and other circumstances. Under the guidelines of the FCA, the debt management services that we refer you to will be able to tell you how long it will take for you to be debt free under their plan.

I already have a debt plan. Can you still help me?

If you have an existing debt management plan that you aren’t happy with, you can still visit Debt Wise for help. Our dedicated list of debt assist partners will advise you on your situation and move you from your existing plan to theirs if appropriate.

Do I still have to pay all of my creditors?

You may be able to condense your debts into one monthly repayment that is easier to manage, however this depends on the type of debt you have, along with other circumstances. However, this is one of the key areas in which a debt management plan will be able to help and advise you.

What if I owe money to a lot of different creditors?

This is not a problem. However many creditors you have, the debt advisors we work with aim to make life easier and help you get out of debt problems, stress free. Your single payment will be distributed between your multiple creditors, so you only need to worry about that one payment.

Can I talk to a person about any issues or concerns?

If you become a client for one of our debt management partners, you will get your own personal account manager. Who you can speak to about any problems you have and get friendly, helpful advice when needed. Your account manager can be contacted over the phone, or by another means of communication that you prefer.

Can you help stop creditors from hassling me over the phone?

Yes. This is another great advantage of having a debt management plan. Your debt manager will make sure you don’t have to handle everything yourself – which includes reducing those difficult phone calls from creditors and debt collectors. They will handle your communications, so you don’t need to worry about it.

Can I apply jointly with someone else?

Yes, this isn’t a problem. If you want to apply for a joint account or plan, all you need to do is let your debt advisor know when you speak to them about becoming a client.

Do you offer debt consolidation loans?

No, we aren’t creditors. Instead, we help customers find the best debt management advice and help from experts, including debt management plans, IVAs, trust deeds and bankruptcies.

If more debts come along later, can I add these to my plan?

If any other debts are built up after you become a client, or if you forget to include one when you start with your debt management plan, you can add more debts into your plan any time you like. Just let your debt advisor know and they will be able to help.

Fill in the form above to apply online today