Compare debt solutions puts any two routes side by side on the five questions that separate them. My Debt Map organises your debts, housing and affordability into one private picture. The budget calculator produces the income-and-expenditure format every creditor and adviser recognises. The IVA payment illustrator shows your own arithmetic over 60 and 72 months, without a marketing percentage in sight. And the council finder routes you to your own authority’s support.
Tools do not replace regulated advice
Every tool here is information: nothing calculates eligibility, nothing recommends a solution, and nothing replaces the assessment an authorised debt adviser makes with your full circumstances. The tools exist so you arrive at that conversation organised — the sample letters then handle what needs saying in writing.
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Things that do actual work, rather than collecting your details and calling it a calculator.
Sample letter centre
Four working templates — freeze interest, make an offer, go written-only, prove the debt — ready to copy and send.
IVA calculator
What you would pay in over 60 or 72 months, and what actually determines the write-off — your arithmetic, not an advertised percentage.
Debt solution comparison
Every UK solution on the same nine criteria, filterable, including Scotland.
Check my options
Eight questions, then a plain summary of your situation and the framework where you live.
Debt glossary
33 terms defined in plain English, searchable.
UK insolvency tracker
The official monthly figures, updated each release, with what they actually mean.