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I realised that my debts had spiralled out of control when HMRC were literally knocking on my door to recover money/material goods for monies owed. In total I had debts of approx £40k +.

Read more: Thank you for helping me with debts of £40,000


"After a change in circumstances I contacted Debtwizard for debt advice. I was just half way through my Individual Voluntary Arrangement IVA and really struggling. On the advice of Mike and his team I contacted my Case Officer at Payplan and informed them that I was no longer able to meet my IVA commitment.

Read more: Help ending my IVA with no more payments!


I came to Debtwizard.com and Mike Thomas after being in an IVA, Individual Voluntary Arrangement for a year, I am a serving Police Officer and had over £30,000 of unsecured debt.

Read more: Helping me to end my IVA three years early


I was placed under the restrictions of a bankruptcy order in November 2012. My home was at risk. It was difficult and I felt totally alone. Without  the Debtwizard team and Mike Thomas in particular, I really don't know if I would have made it through. But I did!

Read more: Saved my home and overturned my bankruptcy


A big thank you to Mike Thomas and the team at PayPlan for all their help and support last year.

I am into my third month of my Individual Voluntary Arrangement IVA and such a relief to see light at the end of the tunnel.

Read more: Help setting up an IVA



For no nonsense advice just submit the short form and Mike or one of his team will get back to you.

Unsecured debt

--Debt Amount--

Home owner

Yes No

No. of creditors


Current payments

£0 - £25

Affordable payments

£0 - £25



Email Address

Phone Number


Yes No Can we leave a voicemail

Yes No Can we contact you via SMS

Yes No Can we contact you via email

Best time to call


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