Individual voluntary arrangements (IVA) and bankruptcy are both forms of insolvency that can write off some or all of your debt, but they work very differently. Find out how these debt solutions work
Debt consolidation loans are not right for everyone. It is important to check all options available and make sure you are making the right choice. Read about debt consolidation options
A debt relief order is a way to have your debts written off if you have a relatively low level of debt and have few assets. Find out if you qualify for a DRO
If you have received a county court judgement (CCJ) from a creditor it is important to respond within the timeframe given and understand what your options are when dealing with the CCJ. Find out what to do first
In most cases, the law gives a creditor a deadline to start court action to recover a debt. This means if a creditor waits too long, they may not be able to recover the debt through the court. Learn if your debts are statute-barred
If a debt management plan (DMP) is the best solution for you, a third party provider can usually set this up on your behalf. Read how you can set one up and who can manage this for you
Breathing Space is a government scheme that can help to ease stress caused by debt. This means you can focus on getting debt advice and setting up a solution. Find out more about Breathing Space and how to apply
You can contact us by phone or email. Visit our contact page to find all the details you need, including our opening times.
Council tax bills are considered a 'priority payment'. There are consequences if you do not pay. Find out more about council tax arrears If you are struggling to pay your council tax or other household bills, we can help by giving free, impartial debt advice.
A liability order is a payment demand from the Magistrates' court if you do not pay back some debts, such as council tax arrears. Find out more about liability orders
If you have a lump sum of money, you can use it to pay back your creditors by arranging a 'full and final settlement' to your debts. Learn more about settlement offers to creditors
Making a budget is a great way to meet your financial goals and prepare for unexpected costs. Find out how to make a budget with our guide Our income and expenditure budget template may help you decide what to include in your expenses. You can download it as an excel template or as a PDF on our Income and Expenditure page.
Yes. Our Financial Solutions team can help you find out if equity release is the right solution for you. Find out more about equity release. Use our equity release calculator to find out how much you could release.
We accept payments by Direct Debit, standing order or bank transfer. You can also call us to make a payment over the phone. Find more details on how to make a DMP payment
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