Debt Settlement is the quickest and cheapest way of paying back your debt, without expensive debt management fees or entering into an IVA which many people regard as ‘one step closer to bankruptcy. Unlike an IVA, it’s a totally flexible, meaning your payments can go up as well as down –should they need to. Debt Settlement is suitable for anyone who wants to become debt free quickly with nothing secured against your name or any assets. Debt Settlement is the fastest way to become debt free in the shortest time, so you can start rebuilding your credit rating.

Debt Settlement is a relatively new way to become debt free, with flexible plans so your payments can be tailored to meet your circumstances. It’s suitable for anyone, there are no age restrictions and you will become debt free quickly and cheaply, with no risk to your home - unlike an IVA.

During the Debt Settlement process, we will seek to negotiate on your behalf to obtain a discount of circa 50% on your debt, without adding costly monthly fees. We only get paid on the results we achieve for our customers, when we successfully set up a negotiated plan which works for both you and your creditors. This means, no more late payments, no more high interest charges and a settlement that saves you 50% of what you owe.

Our average customer settles their debts in 48 months. Our guarantee is that if we don’t save you money on your debt, we won’t charge you any fees! We also offer a WALKAWAY option after 12 months. If you are not completely satisfied, then you can have ALL your money back that is in your account at that time. We only take a fee, when we make a settlement that saves you money – if we cannot negotiate a settlement we do not charge you anything. We do charge an administration fee for setting up your plan which is equivalent, to the first 2 months of your payments. This is the very common, as the costs in setting up the plan over the first 8 weeks can be high. On average, our customers will save 50% on their debt. With NO MONTHLY FEES, you will be much better off then on any debt management plan or IVA.

‘I highly recommend Settle My Debt to anyone having financial difficulty. Now I am on the road to a debt free future, one where I will always be grateful for the help and advice your company has given.’ - Simon

‘...all my creditors have accepted lower money payments and frozen my interest and charges. This has been a big help and I’m now confident that I can become debt free in a short amount of time. Their service is fast and my creditors stopped hassling me immediately, resulting in the peace of mind I now have as a result.’ - Phil

‘It is a great weight off my mind to know that the financial situation has been finally resolved and I am extremely fortunate to have been the recipient of your professional expertise, advice and assistance.’ - Tom

‘THANK YOU! You ‘don't realise’ how much the ‘stress levels’ have gone down and the ‘weight’ that has been lifted, just by not getting those calls! Again thank you for your help. I am eternally grateful!!’ - Margaret