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Call the Debt Guardians team

Talk to Debbie is part of Debt Guardians, a small, friendly team of experienced debt advisers.

Debbie may answer your call herself, or you'll speak to one of her colleagues, who'll give you the same warm, no-pressure help.

When we answer, you'll hear "The Guardian Group". That's us.

Call 0800 088 2053
Friendly debt help

Debt keeping you up at night? Let's have a chat.

Debbie, your friendly debt helper
Hi, I'm Debbie 👋
No pressure, promise.

Hello, I'm Debbie. Whatever's going on, you don't have to face it alone. Depending on your circumstances, you could clear debts you can't afford, bring your payments down to one manageable amount, and finally get some peace from creditors.

FCA Regulated 100% confidential No judgement

Not every solution suits every situation. Fees may apply. Your credit rating may be affected.

Free debt advice is available from MoneyHelper, which offers debt counselling, debt adjustment and credit information services at no cost.

Let's see what's possible

Takes about 60 seconds. No obligation, and no effect on your credit file.

What are your concerns?

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What debts do you need help with?

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Roughly how much do you owe in total?

Nearly there.

It looks like we can help.

How should Debbie get in touch?

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How Debbie can help

A way forward could be closer than you think.

No two situations are the same. Tell Debbie about yours, and she'll explain what's realistically possible, simply and honestly.

One smaller payment

Instead of juggling lots of bills, you could pay one lower weekly or monthly amount based on what you can afford.

Clear what you can't afford

If you qualify, part of what you owe could be legally written off, leaving you with something you can actually manage.

Quiet the calls and letters

With the right plan in place, creditors could stop chasing you, so the doormat and the phone stop feeling scary.

Stop the balance growing

Interest and charges could be frozen or reduced, so every payment finally moves you closer to the finish line.

Why people talk to Debbie

Kind, straight-talking, and in your corner.

Honest about costs

You'll know exactly what any option involves before you agree to anything.

Totally private

What you tell Debbie stays with Debbie. Nobody else needs to know.

Made for your life

Advice shaped around your real circumstances, not a one-size-fits-all script.

Feel better, sooner

Most people tell us the hardest bit was saying hello. It gets easier from there.

Real people, here in the UK

A caring, experienced team who help people like you every single day.

Zero pressure

No chasing, no pushy calls. You stay in control of what happens and when.

Your questions

The things people usually ask

Yes, she is, with 22 years' experience helping people. We are a small team of debt advisers based in Chorley, Lancashire, known as "Debt Guardians". Look us up on Trustpilot: we have almost 1,500 5-star reviews and Debbie is mentioned hundreds of times. She's a proper superstar.

No. The first chat and initial advice are completely free, with no obligation. If a solution such as an IVA is right for you, any fees are explained clearly in writing before you agree to anything, and are usually included in your single monthly payment.

Having a chat won't affect it. Most formal debt solutions are recorded on your credit file, usually for six years, which can make borrowing harder for a while. Debbie will always be upfront about this so you can weigh it up.

It depends on your circumstances and where you live. Options can include an Individual Voluntary Arrangement (IVA), a Debt Management Plan or a Debt Relief Order. Debbie will explain which could fit and the pros and cons of each. See Debt solutions explained for more information.

Every plan is different. An IVA, for example, usually lasts around five years. Debbie will give you a realistic timeframe based on your own situation.

Most unsecured debts, such as credit and store cards, personal loans, overdrafts, catalogues, payday loans and some utility or council tax arrears. Some debts, like student loans, court fines and mortgages, usually can't be included.

Life happens, and that's okay. Just let the team know. Plans can often be reviewed and adjusted if your income or circumstances change.

Whenever you're ready, Debbie's here.

One short, friendly chat could be the start of feeling like yourself again. No pressure, no judgement, just help.

Talk to Debbie