Beyond the ordinary

Our Services

Personal Debt Help, Tailored for You

At IOU Solutions, we provide confidential, compassionate support to individuals across the UK who are struggling with personal debt. We don’t work with businesses — our focus is solely on helping real people get back on track.

Whether you’re overwhelmed by credit cards, personal loans, payday lenders, or council tax arrears, we’re here to guide you through every step of the journey toward financial stability.

Why Choose IOU Solutions?

  • UK-Focused Support: We work exclusively with UK residents, so we understand the local systems, laws, and options available to you.

  • No Business Clients: We help real people, not companies — so your needs are always our priority.

  • Non-Judgemental Help: No lectures. No shame. Just clear, supportive advice from people who care.

  • Straightforward Process: We make everything as simple and stress-free as possible, even if your situation feels complicated right now.

Beyond the ordinary

Ready to Talk?

You’re not alone. If debt is making your life harder, let’s take the first step together.

👉 [Contact Us] for free, confidential advice — no pressure, no obligation.

Beyond the ordinary

What Our Partners Can Help With:

✅ Personal Debt Advice

We take the time to understand your full financial situation and recommend practical, tailored solutions — not one-size-fits-all advice.

✅ Negotiating with Creditors

We can help negotiate more manageable repayment plans with your lenders, and in many cases, reduce or freeze interest and charges.

✅ Debt Management Plans (DMPs)

We assist with setting up informal repayment plans based on what you can actually afford — not what your creditors demand.

✅ Help with Bailiffs & Debt Collectors

If you’re being contacted by enforcement agents or feel threatened by calls or letters, we’ll help you understand your rights and stop the pressure.

✅ Guidance on Formal Debt Solutions

If appropriate for your situation, we can guide you through formal options such as:

  • Individual Voluntary Arrangements (IVAs)

  • Debt Relief Orders (DROs)

  • Bankruptcy advice

"I can't say enough about the outstanding service I received from your company. Their team went above and beyond to meet our needs and exceeded our expectations."

Oliver Hartman