If you are struggling to pay your bills, we can help.

Real:life can help you find a solution to your money problems.

No matter what your debt problems are, tell us about your situation and we'll recommend a solution tailored to your personal needs. Our debt advice is confidential.  We'll give you the latest advice on bankruptcy, insolvency / IVA and debt management solutions to make your debts affordable.

How does it work?

If, like many people, you are struggling to pay your monthly bills, we can look at ways to help you.  Our friendly, experienced advisors will review your finances and suggest a way forward which is right for you.  Rest assured, however bad you think your situation is there is usually a solution!

Many debt solutions in the marketplace come with expensive management costs and will tie you down to a payment programme for years.  We are different.  We can offer solutions with NO management fees, reduced term of loans and even have some of your debt written of.

What we will do to help

• Review your finances, income and outgoings, and help you take stock of your loan, store card, credit card, overdraft payments, and any other creditors.
• Provide you with advice and a debt solution based on your individual circumstances.
  Calculate what you can actually afford to repay.
• Prioritise and allow for your essential day-to-day bills.
• We will negotiate with your creditors to try to reduce or freeze interest and charges and agree an affordable plan.
• You simply make 1 single monthly payment and we distribute that to your creditors as agreed.
• If your circumstances change we will re-negotiate your agreement, and consider other more appropriate solutions if applicable.

For your debt help options click here...