£
Could your monthly payments be lower?
Some solutions can restructure several debt payments around what you can realistically afford each month.
Friendly UK debt support
Struggling to keep up with debts or arrears?
Start with a few simple details and continue online at your own pace. We’ll help you understand which debt solutions may be worth considering based on your circumstances.
Confidential
No obligation
UK-based support
Some debt solutions may not be suitable in all circumstances. Fees, restrictions and an effect on your credit file may apply depending on the solution.
Free debt information is also available.
You can find independent debt and money guidance from MoneyHelper.
Choose how to start
Use the short form, or begin on WhatsApp.
The form asks for your name, mobile number and a rough idea of the debts or arrears you’re dealing with. On mobile it sits directly below this text. Or you can start the same enquiry on WhatsApp.
1
Fill in the short formName, mobile and rough debt figure.
WA
Start on WhatsAppOpen a pre-filled message and continue there.
1
Tell us who you are
Name and mobile number so we can link the enquiry to you.
2
Give us a rough debt figure
An estimate is fine. You do not need exact creditor balances yet.
3
Continue conversationally
The next stage happens on WhatsApp rather than through a long application form.
PRIVATE ENQUIRY
Start checking your options
Complete these details and we’ll take it from there.
This campaign link is incomplete or has expired. Please return to the message you received and use that link again.
What we assess
What could actually change if a debt solution is suitable?
We look at your debts, income, household costs and circumstances before discussing a route. The questions below are the practical things the assessment is trying to answer.
↓
Could interest and charges be frozen?
Some formal solutions can freeze further interest or charges once in place. Whether that applies depends on the solution.
☎
Could creditor pressure reduce?
Some formal solutions can change how creditors pursue payment once the arrangement is active. We explain what protection applies and when.
✓
Is an IVA, DMP or another route worth considering?
The assessment compares your circumstances against the practical requirements of the routes we discuss, rather than assuming one answer fits everyone.
How it works
It starts with one simple conversation.
Four straightforward steps. No pressure to decide anything before you understand the choices.
01
Start your enquiry
Send the short form above with your contact details and an estimated debt figure.
02
Tell us what’s going on
Continue on WhatsApp and answer the questions needed to understand your situation.
03
Understand the options
We explain the routes that may fit, including the practical risks, costs and consequences.
04
You choose the next step
If an option is appropriate, you can decide whether you want to continue. You stay in control.
Why Reset My Debt
Clear, calm and built around your situation.
Starting a debt conversation can feel difficult. The experience should make that easier, not add more pressure.
✓
No obligation to proceed
Understanding your options does not commit you to entering a debt solution.
✓
Confidential conversation
Your enquiry is handled privately and the next stage continues directly with you.
✓
Plain-English explanations
We aim to explain what each option means without unnecessary jargon.
✓
Based on your real budget
The right route depends on your actual income, spending, debts and household circumstances.
✓
Risks explained clearly
Where a solution may involve fees, restrictions or credit-file consequences, those points matter.
✓
Less repetition
Your tracked enquiry can flow into the qualification conversation without starting from zero again.
Frequently asked
The questions people usually ask first.
Does checking my options commit me to anything?
No. The first stage is about understanding your circumstances and which routes may be worth exploring.
Will a debt solution affect my credit file?
Some formal debt solutions can affect your credit file for a number of years. The exact effect depends on the solution and should be explained before you decide to proceed.
Are there fees?
Some debt solutions can involve fees. Where fees apply, they should be explained clearly before you enter an arrangement.
What debts or arrears can I tell you about?
Tell us about the debts and arrears you’re currently dealing with. Different types of debt can be treated differently, so the assessment checks what can and cannot be included in any option discussed.
What happens after I submit the form?
Your enquiry is created in Jinx and the next questions can continue on WhatsApp so we can understand your circumstances in more detail.
Whenever you’re ready
See what your next step could look like.
A short enquiry is enough to start. From there, the conversation can focus on what is realistic for your situation.
Some debt solutions may not be suitable in all circumstances. Fees, restrictions and an effect on your credit file may apply.