Money Advice, Debt Advice & Debt Help
We provide you with accurate, impartial and professional debt solutions
We provide you with accurate, impartial and professional debt solutions

Beat My Debt

we provide you with accurate, impartial and professional debt solutions

Debt Management Plan

  • Need support with a Debt Management Plan?
  • Everything you need to know about the DMP solution is available here.
  • Want to find out if it is right for you and what it will cost?
  • Get advice and information on how to get started.


  • Write off debt you cannot pay.
  • Reduce monthly payments to an affordable amount.
  • Protect your home from creditor action.
  • Contact us to start an IVA today.


  • Trying to decide if Bankruptcy is the right thing for you?
  • Find out what really happens and how you could benefit.
  • What really happens to things like your car and your home?
  • Step by step guide for declaring yourself Bankrupt.

Debt Relief Order

  • If your debt is less than £15,000 you are not a home owner and on a low income then a Debt Relief Order could be ideal.
  • Find out if this little known debt solution is right for you.
  • The criteria you need to meet and what you need to do to apply.
Most Recent Debt Advice Articles
  • Rent arrears and bankruptcy
    • Can rent arrears be included if you go bankrupt? What if you rent from the council or housing association. Issues if you rent privately.
  • Council tax debt and IVA
    • Can council tax debt be included in an IVA? What happens to your bill for this year? Is a joint bill written off?
View All Articles

If I am Self Employed can I go Bankrupt

Can you go bankrupt if you are self employed? Can you keep your tools? Do you have to change your bank account?

What happens to my house if I go Bankrupt

Can you keep your house after you go bankrupt? What happens if there is no equity? What if there is equity?

Can you stop your IVA if you are Unhappy?

How to stop your IVA. What happens to the payments you have already made? Implications if you are a home owner

Reasonable Housekeeping Budget for Debt Management – 2023 Guide

Housekeeping budget guidelines for a Debt Management Plan. What if you spend more? Can you include a budget for children over 18?

Our Team

Are you struggling with debt? Would you like to get the right solution in place to sort the problem out once and for all? My team and I are here to help you do just that.

James Falla, Managing Director My name is James Falla and I am the Managing Director here at BeatMyDebt. I have over fifteen years of experience working with people and small businesses to solve their debt problems. During this time I have helped 1000s of individuals to get out of financial difficulty by using Debt Management Plans, Individual Voluntary Arrangements and Bankruptcy.

I write many of the articles published on this website and am the author of the well received book about dealing with debt: IVA, Bankruptcy and Other Debt Solutions.

On numerous occasions I have also been called upon to offer my experience about resolving personal debt problems on television and radio programmes such as the BBC 1 o’clock news, Sky News and BBC Radio’s Wake Up to Money.

I am hands on and work directly with many of our clients. In this way I make sure the service we provide is reliable so you can trust and count on us to ensure that you become debt free as soon as possible.

Please use the resources on this site or call us on 0800 077 6180 for more advice.


  • "Bankruptcy Advice

    ...I found James's assistance invaluable especially his attention to detail including form filling. He is extremely professional and separates all the facts from fiction. James has gone out of his way to help me. Thanks you very much, I would have no hesitation in recommending James and Beat my debt."


  • "My IVA has been accepted

    ...I got the brilliant news today my IVA has been accepted - thank you so much! If I had not come across your site I would not have received such brilliant advice from you which has ultimately brought an end to my financial worries!..."


  • "PPI compensation success

    ...thank you James for helping me with my ppi clams after my iva finished. He put me in the right direction with the PPI team. It has taken a few months but i have won all my claims so far which has meant I have received £1000s in compensation..."


  • "Without a doubt Best Bankruptcy Service

    ...I felt this bankruptcy process was much more painless that I had anticipated, and I’m glad it’s behind me. I highly recommend BeatMyDebt to anyone dealing with a bankruptcy. They are knowledgeable, kind, fast and explain the process in common language..."


Even More Testimonials