• Struggling with debts?

  • Find a Debt Expert is the UK’s home for debt advice
    • Pay what you can afford each month
    • Non- judgemental high-quality advice from our debt superheroes
    • Free interest & charges
    • Stop contact from creditors
    • Stop legal action from creditors
    • Keep your home & car
    • Write off up to 85% of your debt
  • Try our Debt Calculator

Free Initial Advice

Find a Debt Expert is the UK’s home for debt advice & we offer free initial debt advice for anyone struggling with debt in the UK via the telephone or face to face. We may receive a referral fee for referring your case to one of our partners, but we do not charge you any fees!

So exactly how good is our debt advice?

Here at Find a Debt Expert we strive to ensure that our advice is five star every time, from regular training to listening to our customers feedback and always ensuring our staff get the best result for our clients.

Non-judgemental – when you get debt advice, it is vital that our staff help you get a brighter financial future not dwell on how you got into debt.

Full service – Our advisors will assist you the full way with your case from start to finish, unlimited advice on the telephone/email, finding out who you owe money to, consolidating all your debts, giving you a full financial picture so you are best placed to make a decision, contacting your creditors on your behalf, our systems can help gather information you might not be able to proceed.

Choosing the correct solution for you – When getting debt advice, you want the solution that has more pros than cons for you not what is right for the creditors. Our advisors will ensure after taking your full situation into consideration that you know all solutions available to you & the benefits/consequences for each solution.

Why Find a Debt Expert, or IVA?

  • Free Initial Advice

  • At Find a Debt Expert we offer free initial debt advice

  • Only Pay What You Can Afford

  • Our advisors can find an affordable solution to get you debt free & write off any unaffordable debt

  • Let us Remove the Stress

  • Find a Debt Expert can stop your creditors from contacting you

  • No Upfront Fees

  • Find a Debt Expert charge no set up costs for plans

Our Process

Here at Find a Debt Expert our process when giving debt advice is important, as it allows us to ensure we are getting the best results for our clients every step of the way to becoming debt free.


  • Contact Us
  • Contact Find a Debt Expert to speak to an advisor via our debt calculator


  • Booking Your Slot
  • Getting your debt advice booked in (generally lasts around twenty to thirty minutes), our advisors have slots they will requests which ones are suitable for you


  • Your Debt Advice
  • Our advisors will run through your current & future financial situation, explain all options available then ensure any questions are answered


  • Your Case
  • Okay so know what you want to do next, our advisors will run through a list of documents with you & gather what you have available electronically, also let you know of anything else that’s needed


  • Referral of Your Case
  • Our advisors with your permission, will then prepare your case to be referred to an Insolvency Practitioner or Debt Management Provider to verify your case


  • Electronic Signature
  • Your legal documents will then be emailed to for your to carefully read over & sign at your leisure. Simple as that!

The Money Advice Service is an important service set up by the Government. They provide free debt counseling, debt adjustment and credit information.

Freedom From Debt

  • Loans & Overdrafts
  • Catalogue, Store and Credit Cards
  • Benefit Overpayments
  • HMRC debt & Council tax arrears
  • Court CCJs
  • Utilities
Do You qualify?

Find a Debt Expert is a trading style of Milton & Stirling Ltd, Company Number SC587851 – Solutions Scotland, 78a Stanley Street, Glasgow, G41 1JH. DPA number ZA431921

Milton & Stirling Ltd are an Appointed Representative of MichaelAlan Ltd who are authorised & regulated by the Financial Conduct Authority, FRN 690939.

As part of our free service, we’ll review your financial situation, explain the available options and recommend a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly and if you decide to go ahead with a debt solution we will refer you to one of our trusted providers who specialise in the management of that debt solution. We’ll be paid for introducing you or for the preparatory work we do, depending on your debt solution fees may be payable if ongoing services are provided. Read about fees and key information in our terms & conditions. To find out more about managing your money and getting free debt advice, visit Money Advice Service , an independent service set up to help people manage their money.