Financial difficulty is
hard enough already.
We make the path clear.
Debt is rarely just a financial problem — it affects your sleep, your relationships, and your sense of who you are. We take the time to understand your full situation, then work with tenacity to find the right path forward.
“At a very difficult and dark time, Lightside literally saved my life. From the first meeting, a huge weight was lifted from my shoulders — not just the day-to-day nightmare of dealing with lenders alone, but the guilt and shame of being in debt at all.”
Regulated
always you
conversation
Who are you coming to us as?
Debt looks different depending on your situation. Choose the path that best describes yours and we’ll explain your options clearly, in plain English.
I have personal debt
Credit cards, loans, HMRC arrears, or you’re worried about your home. You’re not sure what your options are, or you need the creditor pressure to stop while you think clearly.
Personal Debt SupportI’m a business owner or director
HMRC is chasing the business, you can’t pay suppliers, and you have personal guarantees. We take an overarching approach, assisting with the company debt situation and how you are impacted personally.
Business & Director SupportI’m a professional adviser
For professional advisers, we are an invaluable source of debt advice, taking clients from strategy to solution. If you have clients that need debt support we are here to help.
Professional Adviser SupportWe meet the person before we address the problem
Most people come to us not quite knowing where to start. They know the situation is serious, but they don’t know what the options are, what the consequences might be, or who they can trust to tell them the truth.
We are FCA-authorised debt advisers. Not a debt management company chasing a monthly fee, and not a firm that pushes one solution regardless of the situation. We look at everything — income, outgoings, every creditor, every asset — and give you an honest assessment of every option available to you.
A confidential conversation
We listen. No judgement, no pressure. You tell us what’s happening and we ask what we need to understand the full picture.
We review everything
Income, outgoings, all creditors, assets. We look at your situation as a whole — not just the debt figure.
We explain your options
Clearly, in plain English. Every option available to you, with our honest view on which produces the best outcome.
We handle it
Once you instruct us, we deal with your creditors directly. You no longer have to face them alone.
What you can always expect from Lightside
You are dealing with a regulated firm at all times. FCA No. 676943.
Everything you tell us stays between us — always.
Talk to us before you decide anything. The initial conversation is free.
We recommend what is right for your situation — not what is easiest to sell.