Here To Help
Everyday life can make managing your finances a challenge. Juggling debt can be daunting too. We can all relate to that ‘more month than money’ feeling!
We’re here to help. Whether you already know the support schemes available, or you’re not really sure, our experts will guide you through the best ways to manage your finances.
Starting with a close look at your individual circumstances we’ll show you the pros and cons for all your option. Clear, ethical and expert debt support. If you need help preparing an individual voluntary arrangement or a protected trust deed we can do that as well. All the empathy, expertise and support you need.
What Our Customers Say About Us
How CMS Can Help You In 3 Simple Steps?

Your Qualification
Find out today. Talk with one of our trusted advisors to find out your debt solution options.

Your Expert Advice
We’ll make a detailed assessment of your exact circumstances so you get clear, ethical, expert guidance.

Your Choice
Free, expert, no-obligation advice so you can decide on the debt solution that’s right for you.
You Are Not Alone
Dealing with creditors can be stressful. That’s why we’re here. So you don’t need to deal with your debt on your own.
Time to take control of your debts? Time to find the right debt solutions for you? Time to benefit from our advisors’ 10 years minimum industry experience? We can help. Free and confidential no-obligation debt advice from the industry experts.
Solutions We Can Help You Out With
Individual Voluntary Arrangement
- Write off unaffordable debt
- Stop creditor pressure
- One affordable monthly payment
Protected Trust Deed
- Become debt free in 48 months
- One affordable monthly payment
- Stop creditor pressure
Type Of Debts We Can Help You With
Just a small change in your circumstances can have a big impact when it comes to keeping up with your monthly outgoings. We understand that. We can also help.

Cards
Credit Cards or Store Cards. Easy to spend on, not so easy to pay off sometimes. Especially if the interest is racking up month on month. Easily build up and become unmanageable with missed payments sending charges spiralling. Sound familiar? Find out how we can help you reduce your monthly payments.

Loans
Whether unsecured loans or payday loans, it’s amazing how many people find themselves taking on new debt to repay existing debt. It’s an expensive spiral that we can help you break. Talk to us about ways of freeing yourself.

Bills
Overdue bills? We can help. Whether council tax arrears, mortgage shortfalls, utility bills or disconnected mobile phone contracts we can help you keep your household up and running.
Other Debt Solutions
What is a debt management plan (DMP)?
What is a debt relief order (DRO)?
What is bankruptcy?
What is a debt arrangement scheme (DAS)?
What is a minimal asset process (MAP)?
What is sequestration (Scottish Bankruptcy)?
FAQ's
Will my creditors still be able to contact me if I enter into an arrangement?
I have an attachment of earnings in place can this be stopped?
What are the costs and fees involved with an IVA OR TRUST DEED?
How do I check if I qualify?
What kind of debts can be included?

To find out more about managing your money and getting free advice, visit Money service, independent service set up to help people manage their money. www.moneyadviceservice.org.uk