Taking control of debt

Where to get free debt advice, how to speak to the people you owe money to, and tips to help you pay back your debts in the right order.

  1. Where to go to get free debt advice
  2. How to prioritise your debts
  3. Help if you’re struggling with debt
  4. Best ways to pay off your debts – England and Wales
  5. Options for clearing your debt – Northern Ireland
  6. Options for clearing your debt – Scotland
  7. How to reduce the cost of your credit and store card debt
  8. How to reduce the cost of your personal loans
  9. Prioritise and deal with late payment letters
  10. What is a County Court Judgment (CCJ)?
  11. Dealing with the debts of someone who has died
  12. Coping with debt after your partner dies
  13. What is an Individual Voluntary Arrangement (IVA)?
  14. What is a Debt Management Plan (DMP)?
  15. What is an Administration Order?
  16. What is a Debt Relief Order (DRO)?
  17. How to declare yourself bankrupt