How long does a debt assessment take?

Our online debt assessment typically takes 5-10 minutes to complete. You'll need to provide information about your income, expenses, and debts. Once submitted, our AI system analyzes your financial situation instantly and provides immediate preliminary recommendations. A qualified advisor will then review your assessment in detail and contact you within 24 hours to discuss the results and next steps.

Will my debt assessment affect my credit score?

No, completing our debt assessment will not affect your credit score in any way. This is a soft inquiry that allows us to evaluate your financial situation without leaving a mark on your credit file. We do not perform credit checks as part of this initial assessment. Only if you decide to proceed with a formal debt solution and authorize it would any credit-related actions be taken.

Is my information confidential?

Yes, absolutely. All information you provide is treated with the strictest confidence and is protected under UK data protection laws (GDPR). We use bank-level encryption to secure your data, and your information is only shared with FCA-regulated debt advisors who are bound by professional confidentiality requirements. We will never sell your data to third parties.

What debt solutions might be recommended?

Based on your financial circumstances, we may recommend several UK debt solutions. These include an Individual Voluntary Arrangement (IVA) for those with £6,000+ unsecured debt and regular income, a Debt Management Plan (DMP) for those who can afford reduced monthly payments, a Debt Relief Order (DRO) for those with less than £30,000 debt and minimal assets, or in some cases, bankruptcy. Each solution has different eligibility criteria, benefits, and consequences.

Do I have to proceed with the recommended solution?

No, there is absolutely no obligation to proceed with any recommended debt solution. Our debt assessment is completely free and is designed to provide you with information and options to help you make an informed decision. After receiving your results, an advisor will discuss the recommendations with you, answer any questions, and explain the implications of each option.

Free Debt Assessment Tool (FCA-Compliant)

You can speak your answers — just tap the microphone icon next to any field.

100% Confidential & No Credit Score Impact

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A detailed explanation of how IVAs work in the UK.