Spencer Hayes are UK Licensed Debt Counsellors. As well as debt consolidation (reducing your monthly repayments to leave you with one manageable sum) we also offer IVAs and other debt management solutions. If you need to declare yourself bankrupt we can give you advice on this drastic step and make sure that it is really your best option. We have a nationwide freephone debt helpline and all of our counsellors are regulated by the FSA and give "best advice". This means that we do not try to push people into a solution that is not in their best interests.