Hi mistrymit
nice site,
the last few letters of consumer debt solutions is chopped off, try to put the apply now button under the faqs button and move everything to the right.
put some of your keywords in your h1 tags
as your collecting user data in your application form at the bottom of the green bar put a privacy policy about information collection etc(do a search for privacy policy for examples)
on your main 123 advice homepage put some keyword rich alt text referring to consumerdebt solutions
javascript or cloak your mailto to prevent spambots harvesting your mail address
your valid xhtml comes up with an error at w3g
put some meaningful alt text on your images