As part of our free service, we will refer you to our trusted provider The Debt Advice Service who specialise in debt solutions. They will review your financial situation, explain the available options and help establish a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly should you decide to go ahead with a debt solution. Par Marketing Ltd will be paid for introducing you or for the preparatory work we do, and depending on your debt solution fees may be payable if ongoing services are provided. The Debt Advice Service provides insolvency solutions to individuals throughout the UK; specialising in Individual Voluntary Arrangements which comply to the IVA protocol. The Debt Advice Service only provides advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one or more insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency appointment.