MEET YOUR ADVISOR
Hi, I'm Olivia👋
WhatsApp Advisor
If your debts are becoming difficult to manage, we can start by making sense of everything together.
You don’t need to know which debt solution you need or have every figure ready before you message me.
Tell me a little about what’s happening, and I’ll help you understand what information we need, answer your questions and explain the options that may be available.
How I can help
Whatever your situation, I’ll take the time to listen, understand what’s happening and help you make sense of the options that may be available to you.
Listen without judgement
A friendly, supportive conversation about what’s going on.
Explain your options
Clear, straightforward information tailored to your circumstances.
Answer your questions
No question is too big or too small. Ask me anything.
Support you every step of the way
From your first message to understanding your way forward.
A bit about me
One thing I’ve learned from speaking to people about debt is that the situation often feels much more complicated before you start talking about it.
You might have several creditors, different payments going out each month and letters or messages arriving that you’re not quite sure how to deal with.
My role is to help bring some clarity to all of that.
I’ll take the time to understand your circumstances, work through the information with you and explain the options that may be available in a way that makes sense.
And if there’s something you don’t understand, ask me — I’d much rather explain it again than have you leave the conversation unsure.
DEBT SOLUTIONS
Clearer Options. A Brighter Future!
I will help you understand the solutions available & what's right for your situation
Individual Voluntary Arrangement (IVA)
Combine your debts into one affordable monthly payment with legal protection from creditors.
Debt Relief Order
(DRO)
A free debt solution that can freeze interest and write off qualifying debts.
Debt Management Plan
(DMP)
Make one manageable monthly payment while reducing pressure from creditors and regaining
Bankruptcy
(BKY)
A formal debt solution that can help clear unaffordable debts and give you a fresh financial start.
FREQUENTLY ASKED QUESTIONS
Got questions? I've got answers.
What happens when I message Olivia?
We’ll start by talking about your current situation.
I’ll ask some questions about your debts, income, household expenditure and circumstances so we can understand what’s happening and what options may be available.
You don’t need to have everything ready before you send your first message.
What information will I need?
Eventually, we'll need an accurate picture of your finances, including your income, household spending and debts.
Don't worry about gathering everything before getting in touch. I'll explain what we need and when we need it.
What if I don't know exactly how much I owe?
That's okay.
Knowing roughly what you owe can be a useful starting point, but not having all the figures shouldn't stop you from asking for help.
We'll work through what information is required as we go.
Do I need to choose a debt solution first?
No.
Getting advice should come before choosing a solution.
We'll look at your circumstances and explain the options that may be available, including their advantages, disadvantages and potential consequences.
Is the advice free?
Yes. There is no charge for speaking to us and receiving debt advice.
Some debt solutions may involve fees if you decide to enter them. Any applicable fees will be explained before you make a decision.
Will I be judged?
No.
There are countless reasons why someone might find themselves struggling financially.
My job is to understand your situation and help you work through your options — not judge how you got there.
Do I have to proceed with a debt solution?
No. Speaking to us doesn't commit you to entering a debt solution.
We'll give you the information you need so you can make an informed decision about what's right for you.
To find out more about managing your money and getting free advice, visit Money Advice Service, independent service set up to help people manage their money.