Welcome to Relief4Debt

Being in debt is not a crime. There is no reason why anyone should not be able to get free of unsecured debt in under 5 years.

If your debts are relatively small, you may find that a recognised debt management plan suits you.  For those with difficult debt problems, a consolidation loan or an Individual Voluntary Arrangement (IVA) may be a better answer.

Use our Self-Assessment Debt Test to get an immediate indication of the option that may be right for your circumstances.

Alternatively, look at our Debt Solutions section for simple descriptions of four common ways for relieving debt.

You will also find useful articles, including 'Individual Voluntary Arrangements - The Detail' and 'The Consequences of Bankruptcy', in our Debt Articles area.

Relief4Debt is a dedicated provider of information and advice for those with debt problems.  Our expertise is in preparing and negotiating Individual Voluntary Arrangements (IVAs), which can provide powerful relief for severe debt problems.  They are not suitable for everyone however, and on this web-site we have set out some guidance on the alternatives.  Use our Self-Assessment Debt Test to find the option most likely to suit you.