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Terms of Service

These Terms of Service (“Terms”) govern your use of the Stop My Debts website and the services we provide. By accessing our website, submitting an enquiry, or otherwise engaging with us, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website or services.

1. About Us and Our Services

Stop My Debts provides free, no-obligation information and guidance about the debt solutions that may be available to you, such as Debt Management Plans, IVAs, Debt Relief Orders, Bankruptcy, and Breathing Space. Our advisors will assess your financial situation, explain the options available, and help you understand them.

We are not a lender and we do not set up or administer debt solutions ourselves. Where a solution appears suitable for you, we will refer you to one of our FCA-authorised partners, who can assist in arranging it with your creditors. The decision to proceed with any solution is always yours.

2. Eligibility

To use our services you must be at least 18 years of age and a resident of the United Kingdom. By using our website you confirm that you meet these requirements and that the information you provide to us is accurate and complete.

3. Nature of Our Advice

The information we provide is intended to help you understand your options and is based on the details you share with us. It does not constitute legal, financial, or tax advice, and it should not be relied upon as such. Not all debt solutions are suitable for everyone, and eligibility depends on your individual circumstances.

Free and impartial debt advice is also available from MoneyHelper, a service provided by the Money and Pensions Service.

4. Fees and Charges

Our advice on debt solutions is always free, with no upfront costs or charges for any information we provide. Some debt solutions arranged through our FCA-authorised partners may involve fees. Where this is the case, those fees will be explained to you in full before you decide whether to proceed.

5. Impact on Your Credit Rating

Entering into a debt solution may have a negative impact on your credit rating and your ability to obtain credit in the future. You should consider this carefully, and we will explain the potential consequences before any referral is made.

6. Your Responsibilities

When using our website and services, you agree to:

  • Provide accurate, current, and complete information about yourself and your financial situation
  • Use our website lawfully and not for any fraudulent or harmful purpose
  • Not attempt to disrupt, damage, or gain unauthorised access to our website or systems

7. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Stop My Debts or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or otherwise use our content without our prior written permission.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, practices, or availability of those websites, and the inclusion of any link does not imply our endorsement. You access third-party websites at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Stop My Debts shall not be liable for any indirect, incidental, or consequential loss arising from your use of our website or services, or from any decision you make in reliance on the information we provide. Nothing in these Terms excludes or limits our liability where it would be unlawful to do so.

10. Privacy

We are committed to protecting your personal data. Our use of your information is described in our Privacy Policy, which forms part of these Terms.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated version on this page with a revised date below. Your continued use of our website after any change constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, and any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact Us

If you have any questions about these Terms of Service, please contact us:


Last Updated: 25/05/2026