Slow down.
There is a way through this.
Check my options - A team who deal with the creditors instead of you
- Less of the dread that comes with the post arriving
- No phone calls unless you ask for one
May not be suitable in all circumstances. Fees apply and your credit rating may be affected. Arcadia is an information service — always consider free, independent advice before deciding.
How it works
Three steps, and no pressure at any of them.
- 01
Tell us where you stand
Four short questions: your nation, roughly what you owe, your housing, and how to reach you.
- 02
Read your shortlist
We rank the UK routes that fit, with the honest downsides alongside the benefits.
- 03
Move when you're ready
Read the guides, sit with it, or speak to someone. Nothing happens on anyone else's timetable.
Knowledge hub
Before you decide anything, just read.
Short guides on the parts of UK debt that people find hardest to get straight answers about.
Debt solution finder
See which routes fit your situation
Four questions, a couple of minutes, and a shortlist you can read at your own pace. Any fees attached to a route are explained clearly before you commit to anything at all.
- No obligation at any stage
- Completely confidential
- Support from people who do this every day
“I spent months too ashamed to open a letter. Reading the options laid out plainly was the thing that finally shifted it.”
Check your options
Step 1 of 3By completing this form, you agree to be contacted by Arcadia, who will review your situation and explain the options available to you.
Confidential and obligation-free. May not be suitable in all circumstances. Fees apply and your credit rating may be affected.
Your options
Every UK debt route, set out in ordinary English.
Not sure which applies to you? The finder asks four short questions and narrows the list down. It stays private to your browser.
How Arcadia helps
Getting a grip on the money, on terms that suit your life.
One payment you can afford
Bring every monthly payment down to a single amount that fits around your actual household budget.
Interest and charges stopped
The right plan stops creditors piling further interest and fees onto balances you are already struggling with.
Quieter phone, quieter post
Once an arrangement is in place, creditor calls and letters wind down and then stop altogether.
Everything in one place
Several balances, several dates and several lenders become one plan with one clear end point.
What people tell us
Ordinary households, difficult years.
“I'd stopped opening the post entirely. Having the options written out in normal words was the first time any of it felt manageable.”
“No one pushed me towards anything. I read through it twice over a weekend and then made my own decision.”
“The Scottish options are explained properly, which I hadn't found anywhere else. That alone saved me weeks.”
“Straightforward, calm and no scare tactics. I only wish I'd looked at it a year earlier.”
Illustrative examples written to reflect the kind of feedback the service receives. They are not verified customer reviews.