We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
mum at the table with bills

Struggling with credit card payments?

We can help. Free, online debt advice available now.

Get debt help


Credit card debt

Writing off credit card debt. What are my options?

Some organisations claim they can write off your credit card debt for you. These claims are misleading and could cost you more money.

Be wary of any firms that say they can write off your credit card debt by using a legal loophole. Especially those asking for upfront fees to do the job.

Need help with credit card debt?

Money worries?

Find out how we can help you.

Get help now

What does 'writing off' debts mean?

You may be looking for ways to write off credit card debts if you are finding it hard to pay. Some insolvency solutions can do this, such as:

England, Wales and Northern Ireland


These solutions can write off some, or all of your debts. But they may not be right for everyone.

There are drawbacks too.

  • Some insolvency measures require fees
  • There is a risk of losing assets such as your house or car
  • All insolvency measures will have a serious effect on your credit file

It is important to get advice on dealing with debts. Not all solutions involve insolvency or writing off debts.

Impartial credit card debt advice

Get in touch with us if you are:

  • Worried about your credit card debt
  • Looking for ways to write off debt

We will look at your circumstances and work out the best debt solution for you.

Our debt advice is expert and free, and no one needs to know that you asked us for help.

Try our online debt advice tool to get the right advice for your situation.