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Baines & Ernst
Call FREE
0800 096 1331†
Call FREE
0800 096 1331†
Cheaper from a mobile
0161 656 7701†
Cheaper from a mobile
0161 656 7701†
Text 'DEBT'
to '87070'
for a callback
Menu
- Lower debt repayments
- Freeze interest and charges*
- Stop pressure from lenders
- Clear unsecured debts for good
You can get out of debt . . .
And we’ll help you every step of the way!
When you’re in debt, it can feel like your life is out of control. But whatever your financial situation, whatever your circumstances, there are solutions available that can help you get out of debt and back on track – and we’re here to help you find the right one.
So don’t struggle alone – life’s better with one of our experts on your side.
CUSTOMER STORIES
Ronald Sampson
It is no exaggeration to say that you have given me my life back! Thank you so much, I would (and have) recommend you to anyone with debt difficulties.
Read More
Fees & key info
Our debt solutions are designed to help you find the most affordable way out of debt. Fees depend on your personal circumstances and we’re always upfront about these costs. Click here for Fees & key info.
Debt advice you
can trust
Fees & key info
Our debt solutions are designed to help you find the most affordable way out of debt. Fees depend on your personal circumstances and we’re always upfront about these costs. Click here for Fees & key info.
What we could do for you
Our main priority is to help you find a way out of debt and make it as stress-free as possible. We take the time to listen to you and understand your situation to help you find the best solution for your circumstances. We’re here to work for you – so we’ll take control and talk to your lenders to secure affordable repayments on your behalf. We could even help you to reduce your household bills and save some cash, and it all starts here . . .
Debt Management Plan
Consolidate your debts into one easier to manage, lower monthly repayment. We’ll deal with your lenders so you don’t have to. A smart and flexible way to deal with debt problems, and a great way to deal with debts below £15,000.
Individual Voluntary Arrangement
With affordable fixed repayments, you could clear and write off debt in as little as 5 years with an IVA (Individual Voluntary Arrangement). This solution is suitable for people with debts from £12,000.
Debt Relief Order
If you have a low income, do not own a home and have no way of repaying your debts then this could help you clear debts in 12 months – with no monthly repayments to make. This service is provided free of charge.
Bankruptcy
If you cannot afford to repay your debts, then Bankruptcy may be the best option for you. Learn more about dealing with personal insolvency with the Bankruptcy Advisory Service.
Protected Trust Deeds
Affordable, fixed payments that could help you clear and write off debt in as little as 3 years. This solution is available to people living in Scotland.
Utility Switching Service
Find out if you could save money on your household utility bills with our FREE price comparison service. Let us know how much you currently pay and we’ll find out if you could lower your monthly household bills.