Could An IVA Be Right For You?

You could write off a significant amount of debt with an IVA

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See If You Qualify

To find other sources of free advice visit MoneyHelper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by the government.

*Please note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. A follow up call will be required to confirm details outlined in your enquiry, at which point we will be able to discuss which solutions you qualify for.

How it works

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Start preparing your financial future – Reach out by phone or complete our user-friendly online eligibility form to start your path towards a life free from overwhelming debt!

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Choose a solution that suits you – Our empathetic team will listen to your concerns and help you to choose a solution that is right for you.

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Start enjoying life again – We will help you set up your debt solution and offer guidance and support every step of the way.

Have a look at the types of debt we typically help with

Credit Cards

Tax / Rent Arrears

Utility Bills

Unsecured Loans

Store Cards

Overdrafts

Catalogues

Bailiffs

Debt Collectors

Benefit Overpayments

Business Debt

Invoices / Bills

Adrian Seager
Adrian Seager
So easy to talk to. Problems I thought were mountains have been addressed and all the pressure and worry removed. I can sleep at nights now knowing J3Debt solutions have taken all this away and have dealt with for me.
Chris Nash
Chris Nash
Absolutely outstanding service from J3 Debt Solutions!! I was in such a dark and hopeless place when I contacted them and couldn’t see a way out! I instantly felt a huge weight lifted from me and hope finally returned. Jamie and his staff were nothing short of amazing throughout the whole process!!..so helpful and understanding of my situation. The whole team couldn’t have been any kinder and I fully appreciate their help and support through my extremely tough times! Wish I could do something for them!! Keep up the brilliant work guys! All the best. Thanks so much J3 Debt Solutions.
Mark Titterton
Mark Titterton
I want to thank j3 for helping me out of a big hole and lots of worry especially Laura and Toni for there hard work getting this sorted for me I appreciate it
Emma Drinkwater
Emma Drinkwater
I have to admit I was a bit sceptical about using J3 Debt Solutions, for no other reason then I didn’t think anybody could help me. It took weeks for me to bite the bullet and make that call and I’m so glad that I did. The chap Jay that I spoke to initially was so supportive and considerate to my situation. I had gotten myself in a position where it was affecting my mental health on a daily basis. I was given various options that we available in general and then chose what would be suitable for me. I didn’t feel pressure to do anything I didn’t want to. It was always on my terms and there was regular contact throughout. I would definitely recommend J3 Debt Solutions. They have changed by life and I’m so grateful.
Kay Page
Kay Page
Extremely helpful and very easy to deal with thank you for a wonderful experience in a very difficult time!
Gabor Miko
Gabor Miko
The best debt solution company in the UK. They helped me out in my financial crisis, I couldn't thanks enough. I send a big hug for everyone who helped me at J3 Debt Solution Limited. Thank you 🥰
Mandatory Gnome
Mandatory Gnome
Very helpful team and helped out in a timely manner
Ruth Hind
Ruth Hind
Highly recomend this company all staff have been friendly and answered any questions i had and i certainly feel a great weight lifted and can look forward to getting my life in order certainly for the better. Many thanks to these guys.

A typical example

UNSECURED DEBT BEFORE A SOLUTION
£32,000

 – – – – – – – – – – – – – – – – – – –
Multiple repayments to creditors
 – – – – – – – – – – – – – – – – – – –
£270 Credit Cards
£433 Unsecured Loans
£105 Store Cards
£135 Payday Loans
£100 Overdraft

TOTAL MONTHLY REPAYMENTS = £1,043.00

UNSECURED DEBT IN A SOLUTION
£32,000

 – – – – – – – – – – – – – – – – – – –
One monthly repayment
 – – – – – – – – – – – – – – – – – – –
In 60-72 months, the outstanding debt is written off.*

*The set period of time and amount of debt written off is dependant on your circumstances

NEW MONTHLY REPAYMENT = £359.00

POTENTIAL DEBT WRITE OFF = £10,460.00