I need help with debt.

Debt isn’t something that should keep you up at night. Whether a Credit Card, Store Card, Payday Loans or any other form of Unsecured Debt, we have the tools to understand your situation and fight your battle.

Did you know that store cards are actually just credit cards? Some people think that when you use a store card what you have bought might be taken back if you cannot pay. Don't stress as that’s not the case...

You can call an overdraft an unsecured loan that you can call upon when needed. Therefore, when you are struggling with making payments towards your overdraft, you can make token payments that are affordable for you.

If you are struggling with your loan payments again, there’s no need to stress. You are protected by section 7.3 of the Financial Conduct Authority Handbook, which means you can make token payments when facing financial difficulty.

The effect on your mental health due to debt and financial struggles is something that we at The Real Debt Guy take very seriously. We’re here to help you understand and overcome this important subject.

Pay your debts for five years; whatever is left is written off! Is this the golden ticket, or is there something you’re not being told? Find out the pros and cons of IVAs and our opinion of them.

Are you considering bankruptcy? Make sure you know what you’re getting into and any long-term effects. TRDG is here to help you think before you act; this route may not be necessary.

You might not have heard of a Debt Relief Order, or you may have just stumbled across it recently. 12 months of having a DRO and your debts are gone... Is it as simple as that though? Find out everything about DROs.

Relieving your debt stress by letting someone else handle it might sound like a great idea, but what’s in it for the company or charity? What may seem free may not be. TRDG has your back!

Business is only ever a failure if you've learned nothing. When things go wrong in business, how you handle your business debt can make all of the difference.

Your home is your security; do you need to lose it? Not if we can help it. See what options you have to protect your assets. Also, understand what you're getting into when taking secured borrowing.

Car finance always sounds like a great idea, until things go wrong. Of course, we have you covered on this subject too. Check out your options to handle car finance after repossession and learn more about the subject.

Secured and unsecured borrowing are opposites, so naturally, they must be handled differently. If you have secured borrowing, how you handle it is important, as your home may be at risk! You guessed it! TRDG has you covered on this subject.

The debt collector image is scary, but we got you. Come out from under the bed and let this section be your new best friend with tips and info to help you handle debt collectors and bailiffs.