YourDebtAdvisor
📞 0161 826 8171
Step 1 of 10 · Your Details

Let's See How We Can Help

Let's get started — you're doing the right thing. 💙

🔒 Your answers are completely confidential.
Your address
Household
Owner with mortgage
Owner outright (no mortgage)
Renting privately
Council / housing association
Living with family
Yes
No
Just me
Joint application
Your consent
Step 2 of 10 · Your Wellbeing

A Few Important Questions

Nearly done with your personal details — just a few quick questions so we can support you properly.

💙 There are no right or wrong answers. Share only what you're comfortable with.
No — I am fine to proceed
Yes — I have something to share
I'd prefer not to say
No — I understand fine
English is not my first language
I would like someone with me
Step 3 of 10 · Your Situation

What's Brought You Here Today?

You're making great progress. Help us understand your situation and we'll tailor everything to you.

Reason for difficulty
Up to date with creditor payments
Majority up to date — but struggling
Missing payments on the majority of debts
Missing payments on all or nearly all debts
Step 4 of 10 · Your Debts

About Your Debts

Halfway there — this section helps us build a complete picture of your debts so your advisor has everything they need.

Credit report consent

To make sure we have a complete and accurate picture of your debts, we'll run a soft credit search after you submit your application. This will not affect your credit score and will not be visible to other lenders.

Overall picture
Under £5,000
£5,000 - £10,000
£10,001 - £20,000
£20,001 - £50,000
£50,001 - £100,000
Over £100,000
📄 Upload a credit report
Optional

If you have a recent credit report from Experian, Equifax, TransUnion or Credit Karma, you can upload it here and we'll read it automatically to build your creditor list. You can skip this entirely — your advisor will go through it with you.

ℹ️ Your credit report will be run after submission using the soft search consent above. Below, only add debts that won't appear on a credit report — such as council tax, HMRC, utility arrears, family loans or Buy Now Pay Later.
Debts not on credit report
Quick check
✓
Council tax arrears
✓
Rent arrears
✓
Gas / electricity / water arrears
✓
HMRC or tax debt
✓
DWP overpayment
✓
Buy Now Pay Later (Klarna, Clearpay, PayPal)
✓
Payday loans
✓
Money owed to family or friends
✓
Court fines or parking tickets
✓
Student loan
✓
Business debts
Yes
No
Yes
No
Yes
No
Step 5 of 10 · Assets

What Do You Own?

Great work so far. Estimates are absolutely fine here — your advisor will go through everything with you.

Property
Other assets — tick all that apply
✓
Car or other vehicle
✓
A different property to the one I reside in
✓
Caravan or motorhome
✓
Savings or ISA
✓
Stocks, shares or investments
✓
Cryptocurrency
✓
Private pension
✓
Work share scheme
✓
Other assets of significant value
Yes
No
Step 6 of 10 · Documents

A Few Documents

Upload any documents you have to hand — these help us pre-fill your income and expenses automatically. Don't worry if you're missing something, it can all be sorted later.

📎 You can skip documents you don't have to hand. Your advisor will request anything missing after reviewing your case.
Identity
📋 Photo ID
Passport or driving licence
Pending
🏦 Bank statements

Connect your bank securely for the most accurate picture, or upload statements manually. Your login details are never seen by us — the connection is handled directly by Plaid.

or upload manually
📎 Upload statements
Last 3 months — PDF or image
Pending
Proof of income
💼 Proof of income
Last 3 payslips, UC journal, pension letter or self-employed accounts
Pending
Step 7 of 10 · Income

Your Employment & Income

Great — if you uploaded documents we've pre-filled what we can. Please check the figures below and adjust anything that needs changing.

Employment status
Full-time employed
Part-time employed
Self-employed
Director
Unemployed
Retired
Homemaker
Student
Sick leave
Zero-hours contract
Total monthly income£0
Yes
No
Step 8 of 10 · Expenditure

Monthly Outgoings

Almost there — exact figures for fixed bills, your best estimate for everything else. Pre-filled figures from your documents are shown where available.

🏠 Priority bills — enter your exact monthly amount
These are fixed commitments — enter the exact figure from your bank statement or direct debit.
£
£
£
£
£
Priority bills total £0
📊 Other outgoings — select the nearest £10 band
These vary month to month — use your best estimate.
Priority bills£0
Other outgoings (estimate)£0
Total monthly outgoings£0
Monthly disposable income £0
Step 9 of 10 · Your Options

Understanding Your Options

You're doing brilliantly — take a moment to explore your options. There's no obligation and no right or wrong answer.

ℹ️ There is no obligation. Your advisor will confirm the right option for you after reviewing your full circumstances.
Individual Voluntary Arrangement (IVA)
A legally binding agreement where you make one affordable monthly payment — usually over 5-6 years — with the remaining debt written off at the end. Creditors are legally bound to the arrangement once approved.
IVA — interested?
Don’t want credit file impacted
Length of time of solution
Don’t want to repay back to my creditors
Other
Bankruptcy
A formal insolvency solution where most unsecured debts are written off, giving you a fresh financial start — typically within 12 months. Restrictions apply during the bankruptcy period.
Bankruptcy — interested?
Don’t want my assets at risk
Can’t afford the upfront payment
Don’t want an Income Payments Order repaying into Bankruptcy
Other
Debt Relief Order (DRO)
A formal insolvency solution for people with low income, few assets and debts under £50,000. All qualifying debts written off after 12 months.
Assets would disqualify me
Too much disposable income after my basic living expenses
I want to make a contribution back to my creditors
Other — my circumstances are guaranteed to improve within the next 12 months
Would you like to find out more about a DRO?
Debt Management Plan (DMP) & Debt Consolidation
A DMP is an informal arrangement where you make one reduced monthly payment until debts are repaid. Debt consolidation involves taking new borrowing to pay off existing debts into one payment.
DMP — interested?
I want my debt written off
Want legal protection from my creditors through a formal solution
Length of time too long
Other
Consolidation — interested?
Don't want further borrowing
Credit rating is too low
I have already tried and been declined
Other
Step 10 of 11 · Next Steps

How Would You Like Us to Get in Touch?

Almost finished! Just let us know the best way to get back to you — choose whatever works best for you.

Is your situation urgent?
🚨 Yes — please call me as soon as possible
I prefer a fixed appointment time with my advisor
Preferred contact method (select all that apply)
💬
WhatsApp
We'll message you on WhatsApp to arrange next steps
○
📧
Email
We'll email you with next steps and confirmation
○
📞
Phone call
Book a specific time with your advisor below
○
Step 11 of 11 · Declaration

Almost There

Last step — you've done brilliantly. Please read and confirm below to complete your application.

You are under no obligation to proceed with any solution that may be discussed.

Your Debt Advisor Limited are authorised and regulated by the Insolvency Practitioners Association to provide advice and a personalised recommendation after assessing your individual circumstances.

Any advice provided is in reasonable contemplation of an appointment. Your Debt Advisor works for you, on your behalf, and independently of the creditors you owe money to.

Free independent debt advice is also available through Citizens Advice and MoneyHelper.

Your summary
Name—
Total debt (approx)—
Monthly income—
Monthly outgoings—
Disposable income (est.)—
Solutions of interest—
Contact preference—
Complete

You're All Done

Your information has been securely submitted.

✓

We've got your details, there

You've taken a really positive step today. One of our team will be in touch shortly to discuss your options in a relaxed, no-obligation conversation — your way, at your pace. 💙

📱 Contact number
—
📧 Confirmation to
—
🗂 Your reference
—
💰 Debt amount
—
✓
Details
Submitted
2
We're in
Touch
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Your
Conversation
💬
We're on it — your advisor will be in touch shortly
We'll be in touch as soon as possible during business hours.