Expert Debt Advice
Get the right help

Experience you can rely on

With over 10 years debt counselling experience Spencer Hayes can help you to find the best solution for your circumstances. We provide a confidential service and can advise you on all money matters no matter how bad you think things are.

Our debt counsellors are fully qualified and follow Law Society and FSA Guidelines to give 'best advice'. This means we advise you on the best arrangement for you. 

Based in Lancashire, Spencer Hayes provides a free debt helpline. A ten-minute phone call will provide you with the peace of mind to sleep easier tonight knowing there is a solution to your money troubles. More importantly, you are being looked after by professionals who are completely dedicated to helping you to overcome your debt and insolvency problems.

Impartial Debt Consolidation Help & Advice

If you live in the UK and are struggling with debts there is a solution to suit you, whatever your personal circumstances. Our counsellors can advise on all debt consolidation options including -

Debt Management Plans

Reduce your monthly debt repayments

With a Debt Management Plan you can restructure your debt repayments into an arrangement you can realistically afford. Your debts are consolidated so that you make a single payment each month. Many types of debt including credit cards and loans can be included in this arrangement.

Spencer Hayes can negotiate with your creditors on your behalf and manage every part of the agreement.

Individual Voluntary Arrangement (IVA)

Clear your debts in 60 months or less

If you have unsecured debts of over £12,000 an Individual Voluntary Arrangement could be the best option. In an IVA you make a single reduced monthly repayment for a fixed period of time. IVAs are a legal agreement between you and your creditors to consolidate your unsecured debts and possibly write off what you can’t afford.

As Insolvency Practitioners we are authorised to set up and supervise Individual Voluntary Arrangements (IVAs).

Bankruptcy

Deal with debts you can't afford to repay

Personal bankruptcy is the ultimate way of dealing with debts that you can no longer afford to repay. Bankruptcy proceedings are designed to free you from overwhelming debts so you can make a fresh start, subject to some restrictions. 

Our counsellors can assist you with all aspects of becoming bankrupt and where appropriate advise you on its alternatives.

We are also able to provide expert advice on administration orders, full and final offers and Trust Deeds (Scotland only).

Call Our Debt Advice Helpline

Tell us about your situation and allow us to help

Whether you have problems with credit cards, store cards, personal loans or overdrafts we can help you to find a solution. We understand that debt problems can cause you untold stress and anxiety and we exist to act for you first, not the people you owe money to.

Call us today for free debt counselling and advice or simply fill in our "Free Debt Assessment" form on this page and we will call you back at a time convenient to you.

Our UK debt helpline 0800 028 4422 is open 9am - 9pm 7 days a week. 

Please note that our initial assessment and advice is completely free, confidential and without obligation. Fees however may apply should you decide to take advantage of one of our debt restructuring services.

More information

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