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Top 3 Poular Debt Solution For Consumers looking to get out of debt and can no longer afford paying back their debts.


Individual Voluntary Arrangement

If you can no loger afford your debt then an IVA may be the best debt solution for you. Providing you qualify for an IVA it is a legal solution which allows you to get most off….


Debt Management Plans

A debt  management solution can help you consolidate your debt into a single manageable monthly payment which is used to pay towards all your creditors. If you are…


Full Final IVA Settlement

Get most your debt written off and walk away debt free in 3 to 6 months. If you have a lump sum (around 25 to 30% of your debt) then you can pay this towards a Full and…

We will give you all the information you need to help you make an informed decision on any solution

It’s unfortunate when you’re debt and no longer afford to keep up your repayments. Your debt problem is unique to you because we understand certain circumstances may have led you to be in this position. However being under pressure or just worrying about your debt isn’t going to make the problem go away.

What you need is a debt solution which is unique to your circumstances.

Our advice is always free and under no obligation. If and where we do recommend any debt solution to you which involves fees we will outline these clearly and provide them to you in writing before you commit to anything.

Who knows? You might forget about your worries and start living your life the way it should be. Stress free!

Get help with your debt

DMP's Debt Management Plans

Debt management plans {DMP’s) are designed to make your payments more affordable Into a single manageable payment. Southern Tree will set up new arrangements with your creditors this means instead of paying on different dates to creditors you only make one payment to us.

We will pass on your payment to your creditors and charge you an administration fee. Both creditor and our Fees are already incorporated in your payment towards your creditors which mean you don’t need to worry about paying for your debt management plan.

A DMP will make your debts affordable

If your outgoings are exceeding your income then planning ahead is crucial otherwise you will at some point face a worrying problem. We will make sure your budget covers you priority expenses and your debts.

IVA - Individual Voluntary Arrangement

For the purpose of an example lets say you owed a total of £24,000 debt spread between several creditors and your monthly payment is currently around £550 in total.

The example below will show you how your repayment could reduce to around £100 which you will pay over a period of approximately 60 months at the end of this period you could potentially get up to 75% written off.

Debt wipedDebt repaid25% Paid back £6,00075% Wiped off £18,000 Debt repaid £6000 (25%)£100 over 60 months
Debt repaid 25%Debt wiped off 75%
Debt wiped75
Debt repaid 25

With an IVA you will have legal protection from creditors taking any action against you as well as potentially write of some of your debt .

An IVA is a legally binding agreement allowing you to reduce the amount that you pay back to your creditors. It enables the reduction of your monthly repayments; this means you remain in control of more of your disposable income each month. You could apply for an IVA online.

Our consultants will contact you to talk you through your application and if your financial situation meets the criteria set by the Insolvency Practitioner, you will be accepted onto the IVA programme.

The Insolvency Practitioner who acts on your behalf will get in touch with all your creditors to advise them that they legally represent you.

Based on the information that you provide, an IVA proposal will be drafted; this is a written agreement that sets out the actual terms of the IVA


A Trust Deed debt solution are for Scottish residents with debts normally above £5400. This solution offers protection from creditors who no longer can take any form of action against you. Trust Deeds are handled by a professional Licensed Practitioner who acts as a Trustee. A structured plan will be drawn up for you to make a single affordable payment each month into the Trust Deed, this typically lasts for around 4 years although in certain cases longer periods can be considered. After this period you would have paid back some of your debt whilst any remaining debt will be written off and you would be completely debt free. A Scottish Trust Deed could prevent your home or car from repossession and to stops creditors taking any legal action against you.

All interest and charges are frozen from the day your Trust deed is Signed.

Creditors can no longer take any further action againts you.

Single affordable monthly payment.

Get some of your debt written off after 48 months.

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What people are saying about Southern tree debt management

Conditions Apply. Repaying your debt over a longer period of time can increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and may also be affected in the medium to long term. Fees are payable when continuing service is provided.

Fees and Key information
Find out what fees are involved in each debt solution and any key information related to our debt solutions Fees

Complaints Proceedure

If you are unhappy with our services or would like to make a complaint then we want to hear from you and take the oppurtunity to make things right. Complaints Proceadure

Getting free impartial advice
The Money Advice Service is an impartial service set up by the Government.
They provide free debt counselling, debt adjustment and credit information services. visit Money Advice Service