Reduce your monthly payments by up to 90%* and wave goodbye to your debt worries

  • Combine your debts into 1 affordable monthly payment
  • Stop hassle and pressure from bailiffs & creditors
  • Stop interest and charges on your debts
Start Your Free Debt Assessment
Write off debt

*90% debt write off is based upon the performance of IVAs administered by our partners. The amount of debt write off may vary dependent on your personal circumstances.

Hector's story

Find out why Hector is helping people in the UK with their debt

He's been there before, he’s been in debt and now he's living his life.

Now he wants to help others in a similar situation. Helpful Hector is here to help people with debt get back in control of their finances and live a better life. We help thousands of people across the UK recognise they have debt and provide a service to help them budget their finances and eventually pay off their debt.

Start Your Free Debt Assessment
Help with debt

Start your debt free journey with us

See how it works & receive FREE debt advice

Debt journey 1

First up, we’ll start with a simple online assessment

This is a quick 5 minute assessment of your personal situation.

Debt journey 2

Then you'll chat to friendly debt experts

Debt experts will chat with you to discuss and setup your debt solution.

Debt journey 3

Start living your
life again!

Get back to enjoying life, rest assured your debts are getting sorted!

For free help and advice, visit Money Helper, an independent service set up to help people manage their money.

Or find out more about the different options for paying off your debt here. IVAs are only available in England, Wales and Northern Ireland.

IVA example

Here is a handy example to show you how an IVA works, including how much debt is written off and how your payments could look if you choose to get an IVA.

Total outstanding debt
Old monthly payment
New monthly debt repayments
Monthly reduction

Figures based on typical IVA customers with our trusted IVA provider. Alternative solutions may be offered. Lenders are not obliged to accept less than contractual payments. Fees payable if continuing services are provided.

You have the questions...

We've got the answers

How can Helpful Hector help me?
What debt solutions can you help with?
What are the costs?
Why do I need to speak to someone?
How long will it take?

It’s time to start feeling like you again

Start your journey to becoming debt free