Open Until 9pm

0161 519 5510

Self help/ Negotiated Agreements

Simply communicating to your creditors and negotiating affordable arrangements can be helpful towards solving debt problems, this is a way of communicating directly and explaining your situation, while still wanting to pay back your debts the best you can

Debt consolidation

Debt consolidation usually means you taking out further credit to pay off existing debts and reduce outgoings

  • You are in control of this

    No fees are included

    If you are successful you only pay one payment

    Your credit rating may be unaffected and may be repaired

  • Creditors may not agree.

    Your credit rating can be damaged if you do not meet what the creditors are wanting.

    It may take you longer to pay back.

    If your credit rating is already poor a consolidation loan may not be available to you.

    If you are unable to consolidate all the creditors, this can lead to your situation escalating further.

    Dealing with this alone can be overwhelming.

  • The Money Advice Service is an important service set up by the Government. They provide free debt counseling, debt adjustment and credit information.

    Click here for more information

    What we can help with

    Loans & Overdrafts

    Catalogue and Store Cards

    Benefit Overpayments

    HMRC Debt

    Court Judgements

    Rent, Gas and Electricity arrears

    Credit Cards

    Council Tax Arrears

    0161 519 5510

    New Leaf Debt Advice Limited Registered Office Onward Chambers, Centenary House, 1 Centenary Way, Greater Manchester, M50 1RF, United Kingdom. Registered in England and Wales Registration number 12203002.Data Protection Registration Number ZA549249

    Trading address- 50 Barton Rd, The Granary, Worsley, Manchester M28 2EB

    Laura Stewart is authorised to act as an Insolvency Practitioner in the UK by The Insolvency Practitioners Association (IP Number 23590) Learn more:

    Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails, it could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected for the medium to long term. Homeowners may be required to release the equity in their property, if unable to release equity and equity is available creditors may request an additional 12 months payments in compensation.

    New Leaf Debt Advice provides insolvency solutions to individuals, specialising in IVA. Advice and information on alternative options will be provided following an initial fact find where the individual(s) concerned meets the criteria for an IVA and wishes to pursue it further. All advice given on any alternative options is therefore provided in reasonable contemplation of an insolvency appointment.

    The Money Advice Service is a free service set up by the Government to help people make the most of their money. If you would like to learn more visit