UK-wide
Debt Management Plan
One affordable monthly payment across your unsecured debts, with flexibility to adjust as your circumstances change.
Learn more
Friendly, judgement-free UK guidance
Free UK Debt Help That Helps You Find The Right Direction
If you're struggling with debt, our experienced advisers can help you understand your options and create a realistic plan.
UK-based advisers100% confidentialJudgement-freeSupport when you need it
One-to-one
UK adviser support
Get all your debts
under control
under 4 min
Average adviser response time
4.8 / 5
Average customer rating
How we help
Support that actually feels like support
Debt is stressful. Getting help shouldn't be. Here's what working with Debt Compass looks like.
Honest, no-pressure conversations
A friendly UK-based adviser will listen properly and explain your options in plain English.
A tailored plan for your situation
We look at your income, outgoings and debts to build a plan that's realistic — not one-size-fits-all.
Protection from creditor pressure
We help you deal with calls, letters and enforcement so you can breathe again while we sort things.
Support that stays with you
Whether it's month one or year three, your adviser is only ever a phone call away.
Debt solutions
Every option, clearly explained
There isn't a single right answer. We'll help you compare what's available across the UK and choose what genuinely fits.
England · Wales · NI
Individual Voluntary Arrangement
A legally binding agreement to pay what you can afford — usually over 5–6 years — with the remainder written off at the end.
Learn moreEngland · Wales · NI
Debt Relief Order
A low-cost option for people on lower incomes with limited assets. Payments are frozen and debts may be written off.
Learn moreScotland
Protected Trust Deed
A Scottish alternative to bankruptcy that ring-fences your assets and stops creditor pressure while you repay affordably.
Learn moreUK-wide
Bankruptcy Guidance
When it's the right route, we'll help you understand the process, timings and how life looks on the other side.
Learn moreEngland · Wales
Breathing Space
A 60-day pause on creditor action, interest and contact — giving you time to plan without pressure.
Learn moreWhy choose Debt Compass
Six good reasons to pick up the phone
We designed our whole service around one idea: that asking for help should feel like a relief, not a risk.
Experienced UK team
You're in safe, accountable hands from your very first call.
Kind, judgement-free advisers
Real UK-based people who listen first and never talk down.
Private and confidential
Your information is protected and never sold or shared.
Free initial advice, always
We're upfront about fees — and honest about free alternatives.
Support for the whole UK
Solutions tailored for England, Wales, Scotland and Northern Ireland.
Consistently rated Excellent
Thousands of five-star reviews from people just like you.
Customer stories
Real people, real relief
Thousands of reviews from people who felt calmer after their very first call.
"I'd been avoiding my post for months. One phone call and I finally understood what was possible. They never rushed me."
Marcus
Birmingham
"The adviser treated me like a person, not a number. Within a week I had a plan I could actually stick to."
Priya
London
"I thought bankruptcy was my only option — turns out it wasn't. So grateful I picked up the phone that day."
Callum
Glasgow
4.8 / 5based on 3,200+ Trustpilot reviews (placeholder)
How it works
Three calm steps to a clearer future
From your first call to a plan you can breathe with — usually within a week.
- 01
Talk to a friendly adviser
A confidential 15-minute call to understand your situation. No forms, no pressure, no scripts.
- 02
Get a plan built around you
We'll walk you through the UK solutions you qualify for and match them to what matters most to you.
- 03
Move forward — with support
We'll set your solution up and stay by your side, taking the pressure off from day one.
Debt calculator
See what an affordable plan could look like
A quick preview — no email needed. Move the sliders and get a feel for the numbers. When you're ready, an adviser will build the full picture with you.
- Estimate a realistic monthly payment
- See how long a repayment plan might take
- Explore how much could be written off
Total unsecured debt£12,000
Affordable monthly payment£120
Estimated term
8 yrs
Potentially written off
£4,200
This is an illustrative preview only, not financial advice. Eligibility and figures depend on your circumstances.
Latest advice
All resourcesSmall reads, real clarity
Guides5 min read
How to write a realistic monthly budget (without giving up everything)
A gentle framework that starts with what you can, not what you should.
Read articleSolutions7 min read
DMP vs IVA: which UK debt solution is right for you?
The honest differences, in plain English — including what nobody tells you.
Read articleSupport4 min read
Dealing with creditor calls: what you can (and don't have to) say
Simple scripts to make those difficult conversations less daunting.
Read articleFAQ
Answers to the questions we hear most
If your question isn't here, we're happy to talk through anything — however small it feels.
We're here Mon–Sat
Ready when you are. Not a moment sooner.
A short, confidential chat with a friendly adviser — free, judgement-free and only as long as you want it to be.