Mums with Debt


A better way to manage your debts

✅ Write off Unaffordable debt

✅ Stop any Bailiff or Legal action

✅ One monthly payment

✅ All UK solutions available

See if you Qualify 👉

To find out more about managing your money and getting free advice, visit Money Advice Service, independent service set up to help people manage their money.

How it Works...

Deal with your debt today. Feel better tomorrow.

  • 1. Fill in the form

    Complete the questionnaire so we know some basic details about you, and get a general sense of your situation.

  • 2. Solutions

    One of our advisors will run through each of the solutions you qualify for. They can do this over the phone, via SMS or WhatsApp.

  • 3. Application

    Your advisor will complete the application for your selected solution. We do all the hardwork so you don't have to.

  • 4. Debt Freedom

    Once your application has been accepted there is nothing left for you to do. Your chosen debt solution will start to work and you can just kick back and relax knowing that your debt worries are now a thing of the past!

See what others say

Join the thousands of Mums we have helped become debt free.

Our Solutions

Mums with Debt offers all UK debt solutions. We will make you aware of each solution so you can make a fully informed decision based on your needs!

Debt Relief Order (DRO)

A Debt Relief Order (DRO) is a formal and legally-binding debt solution available in England, Wales, and Northern Ireland.


It's designed for individuals facing overwhelming debt, but with little income or assets to their name.

Learn more

Individual Voluntary Arrangement (IVA)

An IVA is a legally binding agreement that you reach with your creditors. Under an Individual Voluntary Arrangement, you pay an affordable monthly sum over a fixed period of time. This is usually 5 or 6 years. Any debt that remains after this point is written off.

Learn more

Debt Management Plan (DMP)

With a Debt Management Plan (DMP), you come to an informal agreement with your creditors to repay the money you owe. Our specialists will help you calculate how much you can afford and then you’ll make one set repayment per month. This money is divided between your creditors.

Learn more

Bankruptcy (BKY)

Usually seen as a last resort, Bankruptcy is a legal process and a type of insolvency that writes off debts you can’t afford to repay. It may be suitable for you if you can’t repay the money you owe in a reasonable amount of time.

Learn more

Not sure who you owe?!?

Don't worry we've got you covered! 💪


We have teamed up with all UK credit referencing agencies so we can pull a completely free credit report for you so you don't have to!

See if you Qualify 👉

We know talking on the phone can be difficult, that's why we launched debt help on WhatsApp!


Why not drop us a message and see what solutions you qualify for!

Send us a WhatsApp 📲

Tips & Advice

February 22, 2024
The idea of appearing in court or making an application to court can feel worrying - especially because there are often fees involved. If money is tight, you may be able to get help with court fees. It can sometimes be difficult to understand who is entitled to help with court & tribunal fees, so we've put together a quick guide that will help you understand what help is out there, who is entitled to support, and how you may be able to access it.
August 26, 2022
The ongoing cost of living crisis is being driven by high inflation and even higher costs. But with further price hikes expected and the economy on track to fall into a recession within a matter of months, you might be wondering what this means for your finances. It’s normal for the economy to experience extreme highs and lows from time to time, but by sitting back and waiting for a recession to blow over, you could be putting yourself and your finances at risk. In this blog, we’ll let you know how to manage your money before and during a recession so you can protect your pennies and avoid making minor money mistakes with major consequences.
August 11, 2022
Tax credit overpayments can happen for a few different reasons – but, most commonly, they happen if your circumstances change but you don’t tell HM Revenue and Customs (HMRC) in time. If you’ve received tax credit payments but your entitlement has changed, you may end up with a tax credit debt. In this guide, we’ll look at tax credit debts in more detail – including: What kind of situations can lead to a tax credit debt Can a tax credit debt be appealed against or written off? What you should do if you’ve realised you’ve had tax credits overpayments Some helpful contact details for HMRC We’ll also answer a few commonly asked questions about overpaid tax credits, so you’ve got all the information you need to take your next steps.
August 1, 2022
This is a regularly-updated list of the latest restaurant vouchers, deals, and offers for dine-in and takeaway. Restaurant deals are still a bit thin on the ground at the moment, but here's what we've scouted. Most promotions have restrictions, so check the T&Cs to ensure you can use the offer on the day you want to go.
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