Struggling with Debt?
Let’s Break It Down.
No two debt situations are the same — so there’s no “one-size-fits-all” fix.
What works for one person might not work for another.
At Just Ask Bill, we break down the REAL options — the good, the bad, and everything in between.
No pressure. No gimmicks. No fluff. Just the facts.
👇 Find out what’s available, what the pros are, what you need to consider, and what might be a fit for you.
Get Informed. Take Control
Debt Relief Order
(DRO)
If you have low income, minimal assets, a car worth less than £4,000, and cannot afford to pay more than £75 per month to your debts, a DRO can freeze debts for 12 months, then write them off.
Once approved creditors cannot contact you and you do not have to make any payments.
It’s free, however, strict qualification criteria applies.
Debt Management Plan (DMP)
A DMP is an informal way to repay your debts in smaller amounts.
It can be flexible, but interest & legal action isn’t always guaranteed to stop.
Debt management plans are not over a fixed term and there is no debt write off, s you keep paying until the whole debt, plus any charges or interest are repaid in full.
Individual Voluntary Arrangement (IVA)
An IVA lets you clear unaffordable debt in a structured way.
You make one monthly payment, interest is frozen, and anything you can’t afford is written off at the end.
Your credit rating may be affected and fees apply.
Bankruptcy
When debts are unmanageable, bankruptcy can give you a fresh start after about 12 months, but can affect assets (like your home) and credit rating.
Application fees apply and you may be asked to make a payment for up to 3 years if you have spare income.
Consolidation Loan
Combine multiple debts into one payment.
You still repay everything you owe, plus interest on the loan. If you consolidate debt, you need to be aware you maybe extending the term of the debt and the total payable.
Loans are subject status, so not everyone can get one.
Remortgage
Again combines all debts into a single payment, within your mortgage.
Your home maybe repossessed if you do not keep up repayment on a mortgage or any other debt secured on it.
If you consolidate debt, you need to be aware you maybe extending the term of the debt and the total payable.
Start Your Journey today
Understand your options clearly and get the help you need without judgement or hassle.
We understand how overwhelming debt can feel.
That’s why Just Ask Bill exists: to share your real options and connect you with the right people.
Where appropriate, we’ll point you to NDH Financial, an firm of insolvency practitioners, who’s Insolvency Practitioner is licensed by the ICAEW. If an IVA isn’t right, they’ll point you in the right direction.
If NDH are not going to be the right option, we will direct you to a suitable service for Free advice.
Our goal is simple: help you make sense of it all — no judgment, no pressure.
Think the debt might not be yours?
Let’s clear it up first.
Before diving into solutions like IVAs, it’s important to know where you stand. If you’re being chased for a debt you genuinely don’t recognise – or one that’s old enough it might no longer be enforceable – this page helps you get clarity.
But let’s be honest: if you know the debt’s real and you’ve made payments recently, disputing it won’t fix the problem. In that case, a proper solution like an IVA, a DMP or a DRO might be the smarter way forward.
If you’re genuinely unsure – not to dodge debts, but to make sure you’re not being pushed into repaying something you don’t legally owe – click HERE for more info