Debt Services

Personal Debt

Personal debt and financial difficulty can be overwhelming, particularly the pressure of dealing with creditors.

By using an IVA or bankruptcy we can stop the phone calls and threatening letters.

Financial problems affect people from all walks of life. You may be asset rich but cash poor, or have experienced an unfortunate change of circumstances. If you are worried your debt is getting out of control and you are struggling to pay the bills every month, there is a way out and this involves sharing your problems to help solve the situation.

There is a solution

The good news is that no matter how bad your predicament, there is a solution. The key is to move quickly and the earlier you act, the more options you have. We can offer you a lifeline:

  • We can stop phone calls and threatening letters
  • We can put you in control of your debt and back to rebuilding your life
  • We help to reduce your stress and worry
  • We offer free professional help and advice

Our experienced personal insolvency and debt solutions team will give you professional debt advice and a high quality solution to your problems. This may be negotiating with your creditors on an informal basis, or maybe an IVA or bankruptcy. We will put you in control of your debt and back on the road to recovery.

Sole traders

If you are operating as a sole trader and experiencing financial difficulties, your options are the same as those for individuals.

We can support you with the following:

  • Individual voluntary arrangement (IVA)
  • Bankruptcy
  • Debt relief orders


If you work in partnership with another person, please see our section on help for partnerships.

Informal arrangements

We are one of the few Insolvency Practices to hold FCA - Financial Conduct Authority regulation which means we are authorised to assist you with dealing with your personal debts outside of a formal insolvency procedure.  Not all Insolvency Practitioners are regulated to do this and we are proud to uphold the robust standards required of us by the FCA.

If debts are taking over your life we can negotiate with your creditors to reduce monthly payments to amounts which you can afford. Our informal arrangements are not debt management plans and all initial advice is free and completely confidential.

We have built up an excellent rapport with credit providers and are often able to get your interest and charges frozen, and depending on your circumstances, some of your debt can be written off too. There are no upfront costs.

Most importantly we can help you manage your debts without the need to add to them with another loan.  Once we get your finances back in order, you will be able to get your life back in order.

Our informal arrangement service is available nationwide from our offices in Croydon and London. We take pride in offering bespoke and professional advice and know the damage and stress that debt can cause.


Everyone can find themselves in financial difficulty.

If your finances are spiralling out of control and you have no financial confidence, perhaps you have credit cards, high interest loans and other financial commitments, you can always do something pro-active to resolve your debt problems.

We can help you to get your financial health back on track. This starts by talking through your current financial circumstances, explaining your options and pointing you in the right direction.

It may be that a debt consolidation loan will pay off your existing debts and leave you with a manageable monthly repayment, perhaps over a longer period of time and at a lower interest rate. We will help you to weigh up all the alternatives to reduce your debts and most importantly help you to analyse your budget first.

Our team includes bankers and financiers who have considerable experience in preparing bank and credit applications. They will give you an advantage when refinancing or renegotiating existing banking terms and also look at how much debt you have outstanding and your credit risk. We will help you to consider if you are able to cope with a loan repayment especially if your property has to be used as security against a loan.

Find out more

For a free initial consultation, please call us on 0345 260 0101. We provide expert debt advice and support nationwide from our offices in Croydon and London.

If you live in Croydon or London and need help to get out of debt we can usually arrange to meet you at our offices within the hour.

While we do provide free telephone advice, we also run a free monthly drop in clinic and sometimes it is better to talk face to face if you are serious about solving your debt problems.

We offer a bespoke and personal service - you will not be dealing with staff at a large and impersonal call centre.

Contact an expert for professional help and advice

Our team member below will be able to help with all your questions

Operating nationwide throughout the UK

At Frost Group, we want to make things as easy as possible for you. That is why, if you can’t come to us, we’ll come to you. We operate face to face, nationwide meetings, wherever is most convenient for you.

Contact us

Do you need our help? Get in touch with us today and find out how we can work with you.
Get in touch


Clockwise, Old Town Hall
30 Tweedy Road
Bromley, BR1 3FE


Court House,
Old Police Station South Street,
Ashby de la ZouchLE65 1BR


86-90 Paul Street

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Authorised by

Frost Group Limited is authorised by the Financial Conduct Authority. Authorisation number 669247.