Let's Give Your Debt a Check-Up.
Struggling with credit cards, loans or monthly repayments? Money Surgeon helps you explore debt solutions and connect with independent providers who may be able to help.
Free to get started. No obligation.
Debt Happens. Finding Help Shouldn't Be Complicated.
Job changes, illness, rising bills, a relationship ending — there are lots of reasons people end up with more debt than they can comfortably manage. It's common, and there's no judgement here. The hard part is often knowing where to start.
Tell us about your situation
A few quick questions about your debts and circumstances. No credit check.
Explore potential options
Learn about the types of debt solutions that exist in your part of the UK.
Choose whether to be introduced
Where a named provider is available and you give permission, we may pass your enquiry to them. You don't have to.
What Kind of Debt Is Weighing You Down?
Credit Cards
Balances that keep growing, minimum payments that barely touch the total.
Personal Loans
Fixed repayments that have become harder to keep up with.
Overdrafts
Living in your overdraft month after month, with fees adding up.
Other Unsecured Debts
Store cards, catalogues, buy now pay later and similar borrowing.
How Money Surgeon works
Three Simple Steps to Explore Your Options.
Complete Your Assessment
Answer a few straightforward questions about your circumstances.
We Review Your Enquiry
We check whether one of our named third-party providers may be able to discuss your enquiry. This is not an eligibility decision or a recommendation.
Speak With a Provider
If a provider is available and you have authorised contact, they may discuss possible next steps with you.
UK debt solutions
Different Situations. Different Solutions.
An overview of common UK options. Eligibility, fees, consequences and availability vary — and the right option, if any, depends on your circumstances. We don't recommend solutions based on your answers.
Debt Management Plans
An informal arrangement that may help people repay unsecured debts at an amount they can afford.
Learn more England, Wales and Northern IrelandIndividual Voluntary Arrangements
A formal insolvency solution available in England, Wales and Northern Ireland, subject to eligibility and professional assessment.
Learn more England, Wales and Northern IrelandDebt Relief Orders
A formal debt solution for eligible people in England, Wales and Northern Ireland with lower debts and few assets.
Learn more Available across the UKDebt Consolidation
Combining eligible debts into a new borrowing arrangement, which may affect total repayment costs and can involve additional risks.
Learn more Scotland onlyScottish Debt Solutions
Scotland has its own debt solutions, including the Debt Arrangement Scheme (DAS) and Protected Trust Deeds.
Learn morePrefer free, impartial advice?
Organisations like MoneyHelper, StepChange and Citizens Advice offer free debt advice.
Why Money Surgeon?
Finding Your Next Step Should Feel Simpler.
- Simple online assessment
- No obligation to proceed
- Clear information
- Potential introductions to independent providers
Frequently Asked Questions
Ready to Take the First Step?
Answer a few simple questions and explore what debt help options may be available.
