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A calm, independent tool for one of the most stressful things you'll ever do.
Debtrupt is a UK-focused debt management and bankruptcy navigation platform built for ordinary people who are staring at a pile of letters, a stack of statements, and a hard decision in the middle of the night. We exist because managing problem debt in the UK is harder than it should be — the forms are many, the acronyms (DRO, IVA, DMP, IPA) are confusing, and the official process leaves most people feeling like they're fumbling in the dark.
Debtrupt brings it all into one calm, supportive, private space. There's a surplus-income calculator, a creditor map, an assets tracker, a seven-step filing checklist, ready-to-send creditor letters for bankruptcy notifications, payment freezes and hardship, plus a knowledge base written for people who are stressed, not for lawyers.
We are for anyone in England, Wales, Scotland or Northern Ireland carrying personal debt they can no longer manage — credit cards, personal loans, council tax arrears, utility arrears, catalog debts, HMRC debts or overdrafts. The core tools are free; an optional Pro tier unlocks unlimited letters and document storage.
Debtrupt is built by a small UK team who believe reaching out for help should be the easy part. We're not a charity and we're not a debt-pusher; we're an independent tool maker. Debtrupt is practical guidance, not legal advice, and we will always steer you to a regulated free debt charity when you need one-to-one human help.