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As one of the longest established financial solutions companies in the UK, we have helped over 170,000 people escape the pressures of debt. Learn more about us and why we’re the best people to help you, here.
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Help & advice every step of the way

At Baines & Ernst, helping people get out of debt is what we do best, but we’re also here to offer advice that can help people to transform their finances for good.

We’ve put together this help and advice section that’s packed full of financial information. So, whether you’re looking for money saving tips, guidance on how to get out of debt or want information on dealing with finances as a single parent – you’ll find it here!

Free debt guides

For guides on debt solutions or to find out how to deal with specific financial situation like redundancy, maternity leave or wedding debts, you’ll find some really useful information here. Read more

Money saving tips

Find new ways to reduce spending, cut household bills and manage your finances in this section. Our income and expenditure form is free to download and will help you to identify where your money is going every month. Read more

Dealing with debt

There are many aspects of dealing with debt which can be daunting. Here you’ll find information on how to deal with bailiffs and debt collection agencies and what to do when lenders are harassing you. Read more

Personal finance questions

We get asked many questions every day, so we’ve put together the most popular questions and answered them in this section. So for information on dealing with council tax arrears to what happens to your debts on long term sick leave, you’ll find the answers here. Read more

Write off & clear your debts

From writing off debt and managing repayments to clearing credit cards and dealing with payday loans, you’ll find the information you need here. Read more

Know your consumer rights

Do you know what your consumer rights are when it comes to debt or whether you could go to prison over unpaid debts? Read more

Infographics

Ever wanted to know who spends more money – men or women? Or how much it would cost to own a pet over its life time? We’ve created some really interesting Infographics on a huge range of financial matters – including the rising cost of fish and chips! Read more

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Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

    Click here to read the privacy policy
  • This field is for validation purposes and should be left unchanged.

Debt advice you
can trust...

dmpp

As a Debt Management Plan Protocol Approved company we are committed to providing exceptional standards of service. We are proud members of DEMSA and follow their Code of Practice which is approved by the TSI.

Authorised and regulated by the Financial Conduct Authority

Money Advice Service

You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.