Step 1 of 6

How much do you owe?

Less than £6k
£6k - £10k
More than £10k

How many creditors do you have?

Two or more

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What is your employment status?

Full time
Part time

Back ArrowBack to Step 2

How are you feeling about your debt?

I'm alright, no problems at all.
I'm on top of my debt,
but slightly worried!
I can't pay my bills, I'm very worried!
I'm an ostrich and I stick
my head in the sand!

Back ArrowBack to Step 3

How healthy is your credit score?

I've got no problems.
It's a challenge to keep up with payments.
I've missed payments, but no CCJs.
I've got one or more CCJs.

Back ArrowBack to Step 4


You're only a couple of steps away from solving your debt and
feeling great about money again!

Your Details

    Best of time to call

    You can select more than one.

    Sorry, we can't help you

    Unfortunately we’re not able to help you because you only have one creditor, so we cannot consolidate your debt with any of our debt solutions. If you can think of any other creditors you owe money to, please refill the form. Alternatively, please visit for advice on consolidation loans or a debt relief order.

    Back ArrowBack to Step 5

    Are you paying more than you can afford on debt?

    • Write off up to 85% of your unaffordable debt
    • One affordable monthly repayment
    • Stop creditors contacting you
    • Start enjoying life again!
    Get A Free Quote!

    See how much you could save!

    Simply tell us how much you owe and look at the potential savings!




    Save up to


    per month*

    Get A Free Quote!

    * This is an estimation based on previous experience. If you want the exact amount you could save each month, get your free quote now.

    “I saved over £500 a month. Can’t tell you how much it’s helped.”

    Abby, Liverpool

    “Lily helped me massively! I can finally sleep easy again.”

    Katie, Manchester

    “Couldn’t recommend highly enough!”

    Beckie, Leeds

    1 in every 6 Women in the UK are over-indebted, meaning they cannot afford monthly repayments.

    Consumer debt is at an all time high, so if you find yourself in debt, it’s important to remember you’re not alone. And try not to worry, Lily is here to help you take control and regain your financial freedom.

    Get A Free Quote!

    No matter how you’ve got into debt, if you can’t afford your monthly repayments, we should be able to help.

    • Utility bills
    • Credit cards
    • Store cards
    • Personal loans
    • Pay day loans
    • Overdrafts
    • Catalogues
    • Water arrears
    Get A Free Quote!


    Fill in a simple form,
    it only takes 30 seconds.


    Have a chat with
    a debt specialist.


    Relax and enjoy
    your financial freedom.

    Get A Free Quote!

    Helping to support mental wellbeing

    As if debt wasn’t awful enough, it can also cause, and be caused by mental health problems. That’s why Lily donates £1 to Mind for every successful enquiry we receive.

    Get A Free Quote!


    Tell me how you feel about these…

    How much will it cost me?

    Our fees are collected from your creditors, so just like J-Lo’s love, it ‘don’t cost a thing’.

    Will my employer find out?

    Everything we do is completely confidential, so in almost all cases you have nothing to worry about. However, please be aware that some of our solutions would impact your credit rating, so if you are employed in an industry that requires a particular credit rating, your employer may find out if they were to credit check you, although they would need to have your permission to do so.

    Which debts are covered?

    Here’s some of the debts that we can help with…

    • Catalogues
    • Personal loans
    • Overdrafts
    • Credit cards
    • Gas and electric arrears
    • Council tax arrears
    • Water arrears
    • Payday loans
    • Store cards
    • Income tax and national insurance arrears
    • Tax credit or benefit overpayments
    • Debts to family and friends
    • Any other outstanding bill, for example solicitor’s costs, invoices for building work and veterinary bills

    How long does it take?

    Once you have had a call with one of our debt advisors, you will find out if you have been accepted instantly. From this point there will be some paperwork to sign and the full process can take around 60 days.

    How do you make money?

    When you reduce your debt with one of our partners, they give us a small amount of money for recommending you. It doesn’t cost you a penny.

    Will my data be safe?

    Absolutely. All of our data is GDPR and ICO regulated, meaning we protect your data and only share it with your permission to other respectable and regulated partners that will help you with your debt.

    Can I trust your partners?

    Absolutely. All of our debt management partners are GDPR regulated and FCA authorised which means they’ve signed up to a duty of care to ensure all customers are treated fairly.

    Get A Free Quote!

    Annnd relax.