Become debt-free for less

Our clients paid back 61% + Initial Fee + Annual Maintenance fees on the total debt settled in 2013

We have ceased to take on any new clients while we work with the FCA to improve our procedures and communications, ensuring the fair treatment of our customers.

We hope to overcome these issues in the near future.

We've helped over 1,000 people settle their debt

Reduce monthly payments

Are you struggling financially due to expensive payments to creditors? Reduce your monthly repayments to an affordable monthly amount that fits your circumstances.

Stop demands from lenders

Are you experiencing constant phone calls from creditors? Or are final demand letters mounting up?

We can help stop your creditors from contacting you - by working on your behalf - and setting up a debt plan that suits your circumstances.

Freeze interest payments

Settle-My-Debt always negotiate with the creditor and aim to have all interest and charges frozen on the account(s) of our clients.

Don't take our word for it, hear from some of our customers in our video testimonials.

Advice you can trust

Our trained Debt Councillors are on hand to provide you with free and independent debt advice and information on debt solutions.


All of our advisors have either passed the Certificate in Debt Resolution, or are currently working towards it. This qualification is fully accredited by Edexcel and is designed and offered by the Debt Resolution Forum, an organisation that promotes professional standards within the industry for resolving debtors' financial problems, focussing on the quality of advice provided to clients.

Our guarantee

We offer all of our Debt Settlement clients a full money back guarantee if we are unable to agree a settlement within the first 18 months of your plan.

I have just had a settlement figure agreed on a debt of 11k for just a third of that amount. Talk about being chuffed to bits. Thanks very much to the settlement team – superb job guys!

Faith Boyd
4.9/5 from 103 reviews

See our reviews at

Things you need to know

About our fees

Whilst all advice given by our qualified advisers is free, Settle-My-Debt is a fee charging company. This means that fees will apply if you decide to take out a debt solution plan with us. A full breakdown of our fees can be found on our fees and key information page.

Free and impartial debt advice

Free debt counselling is available to everyone and more information can be found by contacting the Money Advice Service HERE.

A clear and objective in-depth guide to all available debt solutions issued by the Insolvency Service can be found HERE.


Any Debt Solution will impact your ability to obtain further creditor for a period of up to 6 years. If you do not keep up payments on secured loans, HP agreements or your mortgage you may be at risk of repossession of goods or your home.

Final Notice Stamp

Are creditors
chasing you?

Ice Cube Graphic with Percentage Symbol

We will ask for all
interest and charges to be

Pink Safe Shaped Like a House

We will never ask
you to release equity