Struggling With Debt?

Don’t face unaffordable debt alone. Speak to our team of experts who can help you take control of your debts.

  • One affordable monthly payment.

  • We negotiate with creditors on your behalf.

  • Get confidential advice from expert advisers.

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3 Simple Steps

Our team of experienced advisers take a caring and non-judgemental approach to helping you on your journey to debt recovery.
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    We Listen

    Our friendly team gather the facts to find a solution that’s right for you.

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    We Advise

    We provide straightforward expert debt advice you can trust.

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    You Decide

    Make an informed decision based on all the facts with a solution that’s right for you.

Get Debt Advice

About Us

How We Can Help!
  • Refresh Debt Advice has over 15 years of experience.  Our aim is to help you regain control of your finances by providing advice, support, and a debt solution that allows you to repay your debts at a rate you can afford.
  • We appreciate no two clients are the same, that’s why we’re committed to offering tailored advice to support each individual’s particular set of circumstances.
  • Our team is experienced, trustworthy, and most importantly, approachable.
  • So far, we have helped our clients repay over £21 million of debts. Something we are very proud of.

Please Note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. The total amount payable may be higher.

Our Values

Caring

We are kind and caring to everyone we encounter. We actively listen, being emotionally present and we respond with compassion and empathy.

Non-judgemental

We will never judge anyone who reaches out for help with their debt. We understand that there are many reasons for someone falling into debt and we know it can happen to people from all walks of life.

Honest

We act with honesty and integrity – We adhere to the highest regulatory standards. The advice we give is tailored to support each individual’s particular set of circumstances and we empower people to take back control of their finances.

Excellence

We strive for excellence in everything we do. This means, getting things right the first time, every time.

Debt Advice Experts

Our team of specialist debt advisers are here to offer confidential help & advice to anyone struggling with multiple debts.

Call Now

Debts We Can Help With

There are many different types of debt you can have, some are more important than others and it’s important to know which of your debts need priority payment.
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Credit Cards

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Payday Loans

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Council Tax Arrears

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Income Tax Debt

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Utility Arrears

News, Updates & Events

The Impact of Rising Mortgage Costs on Mental Health

In a recent study conducted by Mind, the UK’s largest mental health charity, statistics have come to light regarding the impact of increasing mortgage costs on people’s mental health. The research revealed a concerning connection between rising mortgage expenses and a decline in mental well-being, highlighting an issue that has been made even worse by…

Read more

Debt Solutions

There are a number of debt solutions available. Further information on each can be found in the links below.  Please be aware each solution has advantages and disadvantages. 
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Debt Management Plan

A DMP is an informal flexible agreement between you and your creditors to repay all your debts. You make regular payments to a licensed debt management company.
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IVA

A legally binding solution to managing your money and paying off multiple debts. It is a formal repayment arrangement between you and your creditors.
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Bankruptcy

If you’re unable to repay any outstanding debt in England, Wales, or Northern Ireland, Bankruptcy is one of a number of wider financial solutions available to you.
See All Debt Solutions

We Negotiate With Your Creditors

We negotiate with some of the biggest creditors in the UK to lower your monthly payments to an affordable amount.
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