Call us: 0161 532 1232

Free Debt Help

Get professional debt solutions from FCA-regulated specialists. IVA, DMP, DRO advice available across Manchester and the UK.

Debt Solutions We Specialise In

Credit Card Debt

Credit card debt help and consolidation

Mortgage Arrears

Mortgage debt advice and solutions

Council Tax Debt

Council tax arrears assistance

Utility Bills

Gas, electricity & water bill debt help

Car Finance

HP agreements and car finance debt

Payday Loans

Payday loan debt help and advice

Personal Loans

Bank loans and overdraft debt solutions

Catalogue Debt

Catalogue and store card debt help

Professional Debt Solutions

IVA (Individual Voluntary Arrangement)

Best for: Individuals with regular income seeking formal debt solution

  • Write off unaffordable debt after 5-6 years
  • Single affordable monthly payment
  • Legal protection from creditor action
  • Interest and charges frozen immediately
  • Professional insolvency practitioner supervision

Debt Management Plan (DMP)

Best for: Flexible informal debt arrangement

  • Reduce monthly payments to affordable levels
  • Single monthly payment to all creditors
  • Stop collection calls and letters
  • Negotiate interest freeze with creditors
  • Flexible arrangement that can adapt to circumstances

Debt Relief Order (DRO)

Best for: Low income individuals with minimal assets

  • Freeze debt repayments for 12 months
  • Low-cost alternative to bankruptcy
  • Debt written off after supervision period
  • Formal debt solution through official receiver
  • Suitable for debts under £30,000

Debt Help & Financial Advice Services

Free Debt Advice Manchester

National Advice provides free, confidential debt advice to residents across Manchester and the North West. Our debt help services include free debt assessments, professional financial advice, and connections to FCA-regulated debt solution providers.

IVA Advice & Solutions

An Individual Voluntary Arrangement (IVA) is a formal debt solution that can write off unaffordable debt. Our IVA specialists can help you understand if an IVA is right for your situation and connect you with licensed insolvency practitioners.

Debt Management Plans UK

A Debt Management Plan (DMP) offers flexible debt help by consolidating multiple debts into one affordable monthly payment. We work with regulated providers who can negotiate with your creditors on your behalf.

FCA Regulated Debt Help

All our partner companies are fully regulated by the Financial Conduct Authority (FCA), ensuring you receive professional, trustworthy debt advice. We prioritise your financial wellbeing and only recommend sustainable debt solutions.

Free Debt Assessment

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Important: National Advice is a non-advisory website providing fact-finding services only. We do not offer debt advice or manage financial solutions. We connect you with FCA-regulated debt solutions providers who can assess your circumstances. Free assessment, no obligation.

FCA Regulated Partners

All our debt solution providers are fully regulated and authorised by the Financial Conduct Authority

100% Confidential Service

Your personal and financial information is completely secure and private

No Upfront Fees

Free debt assessment with absolutely no obligation to proceed with any service

Expert Debt Guidance

Get matched with specialist debt advisors who understand your situation

Speak to Our Team Directly

Our friendly team is available to help you start your debt-free journey

0161 532 1232
Monday to Sunday, 8am - 8pm