Find a Debt Solution

Dissolve Debt offer a wide range of products and services, if you are unsure which one is suitable for your circumstances, please use our Debt Solution Finder or call one of our friendly sales team on 08000122111 who will be happy to help. Everyone’s circumstances are different and as a result no two plans are the same which is why we recommend you contact us to discuss your options.

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• Debt Management

  Debt Management is an informal agreement between you and your creditors to repay outstanding unsecured debts. Through debt management you will go through an income and expenditure which will determine your disposable monthly income. Read more

• IVAs

  An IVA is an agreement with your creditors to make a single reduced payment each month which lasts for a sensible period of time (normally 5 years). Once agreed, creditors are not allowed to add further interest or charges to your accounts by law. The agreement is fixed – meaning that creditors can not randomly demand changes to it. The arrangement is governed by the Insolvency Act of 1986. A common misunderstanding is that people think undertaking an IVA is like going Bankrupt. This is not the case. The IVA is specifically designed to avoid the many issues and stigmas surrounding Bankruptcy. Read more

• Trust Deeds

  A Trust Deed is a formal, legally binding arrangement between an individual and their Creditors which lasts for a period of 3 years. It is a legal agreement which can only be carried out through a licensed Insolvency Practitioner. A Trust Deed is entered into when the value of debt is significant and the individual is finding it increasingly difficult to pay their Creditors. Any debts remaining at the end of the normal three year Trust Deed period, subject to exception, are effectively written off by Creditors. Read more

• Bankruptcy

  Bankruptcy is a legal procedure in which the inability of a client to pay her/his debts is acknowledged and the majority of unsecured creditors can no longer pursue the money owed, which is eventually written off. Read more

• Full and Final Settlements

  If you come into a lump sum of money we may be able to settle your outstanding debt at a reduced rate. Read more

• Debt Relief Order (DRO)

  A DRO can help you write off your debt provided you meet the criteria. Read more

• Debt Arrangement Scheme (DAS)

  Under the Debt Arrangement Scheme (DAS) you can set up a debt payment programme (DPP) which helps you to repay your debts at a rate that’s affordable to you. We can help get a DPP up and running for you completely free of charge. DAS and DPP are only available in Scotland. Read more

• Repossession Advice

  House repossession is a legal process where a mortgage lender or secured loan provider takes ownership of a property. Read more