The different kinds of debts
Some are more important that others – know your options.

Priority Debts
Pay these debts first. Priority debts are not necessarily your largest, but non-payment has swift and severe consequences.

Unsecured Debts – Action Creditors Can Take
Creditor can’t seize an asset and so can be more aggressive in their approach to arrears.

Help – I can’t afford my payday loan.
What to do if you can’t afford to pay and payday loan alternatives.

Council Tax Debt – Could I Write Some Off?
Maybe. It depends on several factors, including who your local council is.

Doorstep Loans- What If I Can’t Pay?
Getting cash delivered to you home is convenient. Not so the doorstep collectors.

Water Arrears Debt – Can I Be Shut Off?
No, while usually you can’t be shut off, the water company can take action to recover money owed.

Logbook Loan Debts
Warning: Once a logbook loan is made the vehicle belongs to the logbook loan company

Debts From Fines – Treatment In Insolvency
What enforcement you can expect if you don’t pay and how they are viewed by insolvency legislation.

Statute Barred Debts
These are old debts which under certain (and sometimes complicated) conditions you the law says you need not to repay.

Child Maintenance Arrears
It’s a financial obligation and nothing to do with lending. Normal rules do not apply
Creditor Action
The actions creditors can take to chase payment.

Solicitor Letters Chasing Debts
A polite reminder, a letter before action, a statutory notice. Which is it?

Dealing With Debt Collectors At Your Door
A debt collection agent at your door should not be confused with a bailiff acting in an official capacity.

I Have A Default Notice – What Does That Mean?
It’s a formal notification that a contractual payment has been missed you are in arrears.

Final Demand – What Should I Do?
A Final Demand is not a statutory notification, but it is generally expected before legal action can be taken.

County Court Judgement – CCJ
If you get a judgment, this means that the court has formally decided that you owe the money.

Help – I’m worried about a Charging Order
Danger: A charging order turns an unsecured debt into a debt secured against your home.

Order To Obtain Information
Creditors can apply for a court order to question you under oath about your financial situation

I’ve Been Sent a Statutory Demand?
Scare tactic or a threat of bankruptcy? Ignore at your peril as you may be made bankrupt.

Can Payments Be Taken From My Benefits?
Money can be taken directly from benefits for certain types of debts and payments.

Attachment Of Earnings
An Attachment Of Earnings Order tells your employer to pay some of your wages to the Court.

Bailiffs – What Are My Rights?
Learn how bailiffs must conduct themselves and which of your items they can’t take.
Credit Rating and Credit Reports
Dispel the myths – learn the facts

Fixing Errors On Your Credit Report
Incorrect data on your credit report? Correct data you want to comment on? Do something about it.
IVA Info and Guides
Learn all about IVAs with our informative guides

IVA Acceptance Guidelines
The circumstances and financial situation that contribute to a successful IVA proposal

IVA – Debts You Can Include
Learn which debts are treated as expenditure item and which are included as a creditor.

IVAs for the Self Employed
Combine personal & business debts into an IVA. Avoid bankruptcy and keep trading.

Debt Consolidation Loan or IVA?
See if you can save £1000s with an IVA rather than taking out another loan

Priority Debts in an IVA
The difference between debts as expenditure items and included debts in an IVA explained

Guarantor Loans in an IVA
How guarantor loans are treating in an IVA if you are the borrower or the guarantor.

IVA or Bankruptcy?
An IVA and bankruptcy are both forms of insolvency but they work very differently.

IVAs and Joint Debts
If you have joint debt and include it in your IVA, the other person is still be responsible for making payments towards it.

Your IVA Application and FAQ
Before committing to an IVA we get as much information as possible so we are sure it’s right for you.

IVA Fees and Costs
An explanation of the Fees and Costs associated with Individual Voluntary Arrangements.