Debt Answers You
Can Check Yourself.
DebtShift is a free guide to getting out of debt in the UK and the US. Plain-English articles, 17 free calculators, and a source for every number.
Why DebtShift Exists.
Most debt advice online is one of two things: a sales page for a loan, or a legal page you need a law degree to read. DebtShift was started by Hamid Ali, who holds an MSc in Accounting and Finance, to be a third thing. A place that explains the rules in plain English and shows where each fact came from.
Most people in debt are not careless. They are missing a handful of facts. How long until they are debt-free. Which debt to pay first. What a collector is and is not allowed to do. When an old debt can no longer be enforced. Those facts exist, but they are scattered across government pages, charity guides and court rules.
DebtShift pulls them together, for the UK and the US separately, because the laws, the currencies and the free services to call are different. Everything on the site is free to read and use.
About the Founder: Hamid Ali holds an MSc in Accounting and Finance from the University of Northampton. He is responsible for everything published on DebtShift, and each article is checked against official sources before it goes live.
Connect on LinkedIn.
“If a fact cannot be traced to an official source, it does not go on the site.”
That is the test for every article and every tool here. If a page cannot help someone in debt understand where they stand, it does not get published.
Understanding Your Debt
Should Not Cost Money.
When money is tight, paying for advice is the first thing to go. DebtShift cannot replace a regulated adviser and does not pretend to. What it can do is make sure that before you pick up the phone, you understand your options, and that when you do call, you call the right free service.
That is why pages on serious problems point to free, regulated help first: StepChange and Citizens Advice in the UK, the NFCC in the US.
Three Things. One Site.
Plan
Calculators that turn your debts into a payoff date, an order to pay them in, and the interest each choice costs. You enter the numbers and get the numbers back.
Know
Plain-English guides on collectors, bailiffs, court letters, old debts and insolvency options, each based on the official guidance it came from.
Rebuild
Clearing the debt is the start. Credit and budgeting guides help you keep the progress once the balance is gone.
How We Write.
How We Build.
Every fact is traced to a source
Interest rates, legal limits and deadlines are checked against official or regulator pages (GOV.UK, the CFPB, the IRS, StepChange, Citizens Advice) before publishing. Each article lists its sources and shows a last reviewed date.
Education, not advice
DebtShift is not a regulated financial adviser. Tool results are estimates based on the numbers you enter, not recommendations. For advice on your own situation we point people to free regulated services: StepChange in the UK and NFCC in the US.
Free help comes first
Pages about serious problems, such as bankruptcy, stopping payments, old debts and legal rights, put links to free help near the top, not buried at the bottom.
UK and US are kept separate
Each country gets its own currency, laws and regulators. Pounds, the FCA and StepChange for the UK. Dollars, the CFPB and the NFCC for the US. We do not blend them. Browse the 17 free tools.
Free to use, no account
The calculators run in your browser. You do not need to sign up, and your debt details are not sent to or saved on our servers. If DebtShift ever carries advertising or affiliate links, they will be clearly labelled and will never change what a tool or article tells you.
If Any of This
Sounds Like You.
💸 Paying but not progressing
The balance barely moves. See why, and what order to pay in, with the free Debt Payoff Planner.
📬 Scared to open the letters
Know what a collector or bailiff can and cannot do before you reply. Start with Know Your Rights.
⚖️ Chased for an old debt
In the UK, an old debt may no longer be enforceable. Check with the Statute Barred Checker before you pay anything.
📊 Rebuilding your credit
Missed payments in the past? The Credit Score Roadmap gives you a month-by-month plan.
Spotted a Mistake?
Tell Us.
DebtShift is run by Hamid Ali through H Ali Logistics Ltd. If you find an error, have a question about a tool or article, or want to suggest a topic, email goes straight to the founder, not a support queue.
admin@debtshiftai.comStart With
Your Numbers.
17 free tools. No signup. Add your debts and get a plan in about a minute.