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Debt Advice Experts

No matter what the situation, we can find the solution. 
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Authorised by the FCA and rated 'Excellent' by our customers on TrustPilot. 


2023 Guide To Debt Freedom

New year, new start. Get your free guide to find a debt solution in 2023

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The numbers tell our story



Over the last ten years



We have helped over ten thousand people



To find solutions to debts totalling more than one hundred million pounds. 


Writing off debt, what is it all about?

There are at least three debt solutions that, if you qualify for them, allow you to write off debt.

Our team can help you to find out if you qualify in just 5 minutes, for free and without obligation to take any further action. 


" A worthwhile telephone call, made me feel so much better about everything. Excellent advice. Wish I made the call earlier. Could have saved me money earlier! "

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Options for dealing with debt:

Debt Management

An informal agreement designed to make your debts more affordable and help you to get your finances back on track


Perhaps the most well known debt solution. Available to most but also avoidable for many although it is a good option for the right situation


Designed by Government legislation, IVAs are legal agreements allowing you to write off debt and reduce repayments.

Breathing Space

A 60 day protection from creditors. The clue is in the name, you get the room you need to make an informed choice on your financial future.

Debt Relief Order

A legal agreement that allows you to be debt free in just 12 months and you could write off all of your unaffordable debt.

Borrowing Options

For many, loan options have been closed down but it is always worth considering debt consolidation loans if possible. 

We understand how difficult dealing with debt is.

Since 2007 our team of experts, many of whom have struggled with debt themselves, have helped over 10,000 people to become better informed of their options

Getting advice from us is free.

We compare all of your options to deal with debt.

You are under no obligation to take our advice

We will always be able to find a solution to your debt

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Karl Smith

Excellent service - Highly recommend.

A simple explanation given for all possible routes that can be taken, easy process. Ramsey Lomax team are great from start to finish.

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Kerrie Doyle

Can't recommend highly enough! people like this are gold dust 💫💫💫💫💫💫

Before speaking with Ramsey Lomax, I felt really hopeless, had had so much conflicting advice from different people. After the conversation, which has just ended, I feel like a massive weight has been lifted off my shoulders!

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Mrs Anche

I found this company extremely helpful!

I found this company extremely helpful. The agent, asked me a series of questions, assessed my current situation and then suggested a number of effective courses of action- from which I chose the most suitable.

Do you have questions? Chat with an expert

0203 808 1030

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

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