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Debt

How to deal with your debts. Includes how to deal with court procedures.

  • How to avoid identity theft

    Your front door has a lock on it to prevent complete strangers from wandering in and rummaging through your drawers. You need to protect your personal details too, not with locks perhaps, but just as carefully.


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Information and advice from other websites

  • Help with debtthis link opens in a new window

    Explains how to seek help with debt problems, including information on organisations which may be able to provide help.

    From: Adviceguide from Citizens Advice

  • Help with debt fact sheet (PDF)this link opens in a new window

    Information on dealing with debt, including identifying debts, prioritising and budgeting.

    From: Adviceguide from Citizens Advice

  • Seven mistakes you must not make if you want to get out of debtthis link opens in a new window

    Top tips on getting out of debt. The website also offers an 'ask an expert' feature where you can pose your question and see advice given to other users.

    From: TalkAboutDebt

  • Dealing with debtthis link opens in a new window

    You're in debt. You can't pay your bills. You've missed the payments on the house, car, and credit cards. Advice to help you deal with the problem.

    From: TheSite

  • Priority and non-priority debtsthis link opens in a new window

    Information on what debts are considered 'priority' or 'non-priority'. When you are in debt it is important to know whether these debts are priority or non-priority debts, as this will help you to work out your options and how to handle the debt.

    From: Shelter

  • Frequently asked questions about debtthis link opens in a new window

    Answers questions such as 'my debts are getting out of control, what can I do?'.

    From: Adviceguide from Citizens Advice

  • Budget sheetthis link opens in a new window

    Budget sheet to help with planning and paying off debts.

    From: Adviceguide from Citizens Advice

  • Finance jargon buster (PDF)this link opens in a new window

    Glossary of useful terms in personal finance.

    From: Adviceguide from Citizens Advice

  • Debt Testthis link opens in a new window

    Asks you a series of questions to help you find out whether you have - or are likely to have - problems with your borrowing, and then provides feedback on what you can do.

    From: Money Made Clear

  • Financial healthcheckthis link opens in a new window

    A questionnaire to check the state of your finances. Includes tips for a healthier financial lifestyle.

    From: Money Made Clear

  • Debt advicethis link opens in a new window

    Information to help you deal with your debt problem. Includes national telephone helpline for people with debt problems and a self help pack that contains all the information and standard letters you need to deal with your own debt problem. This information applies to England and Wales.

    From: National Debtline

  • Debt solutionsthis link opens in a new window

    Information on the different debt solutions that are available, including a section comparing the different aspects of each option.

    From: Debt Advice Foundation

  • Mortgage shortfallsthis link opens in a new window

    Explains what a mortgage shortfall is and how long you can be pursued for the debt. Includes what to do if you dispute the amount and how to negotiate repayments.

    From: National Debtline

  • Selling your property to clear your mortgage debtsthis link opens in a new window

    Information about selling your property to clear your mortgage debt including handing back the keys and making up a shortfall following the sale.

    From: Adviceguide from Citizens Advice

  • Debt Advice Foundationthis link opens in a new window

    Debt advice and confidential support from an impartial UK charity. Includes links to budget planners and other online tools.

    From: Debt Advice Foundation

  • Debt management planthis link opens in a new window

    A Debt Management Plan (DMP) is an affordable repayment programme set up, for free, by National Debtline and managed by an independent company. Explains who can use the service and how it works.

    From: National Debtline

  • Debt relief ordersthis link opens in a new window

    Information about debt relief orders, including who can apply, how to apply and type of debts which can be included. What debtors can and cannot do during the debt relief order period.

    From: Adviceguide from Citizens Advice

  • How to deal with business debtthis link opens in a new window

    Outlines the types of debt you may have if you had a small business and have stopped trading or have been self-employed. Gives contacts for further advice.

    From: National Debtline

  • How to deal with Hire Purchase debtthis link opens in a new window

    Explains what Hire Purchase is, and what to do if you fall behind with payments on a Hire Purchase agreement. Explains your rights and the rights of your creditors.

    From: National Debtline

  • Overdue utility billsthis link opens in a new window

    This explains what to do if you can't pay a utility bill. It has information on benefits and who to contact if you have difficulties dealing with your fuel supplier.

    From: Directgov

  • Individual voluntary arrangements (IVA)this link opens in a new window

    An IVA is an alternative to bankruptcy. explains what it is, and who it's suitable for. You need an insolvency practitioner to set up an IVA and you will have to pay a fee for their services.

    From: National Debtline

  • Full and final settlement offersthis link opens in a new window

    Explains what full and final settlement offers are and when they may be a useful way out of debt. Also contains a sample letter to help you write to your creditors.

    From: National Debtline

  • Turn2usthis link opens in a new window

    A database of charities that offer financial help to individuals in need. For example some charities provide grants to pay bills or buy essential items.

    From: Turn2us

  • Income tax arrears (PDF)this link opens in a new window

    Information on dealing with income tax arrears, including contacting HM Revenue and Customs (HMRC).

    From: Adviceguide from Citizens Advice

  • Consumer Credit Counselling Service Debt Remedythis link opens in a new window

    CCCS can provide you with free confidential debt advice and support.

    From: Consumer Credit Counselling Service

  • Links provided by Advicenow Advicenow is an independent, not-for-profit website providing information on rights and legal issues. Links provided by Advicenow are hand picked from over 200 UK web sites by experienced advisers

Our top picks

Photograph of someone handing over their card to pay

Debt management tool

Use our debt management tool to get free, impartial debt advice.


Photograph of man looking at his bills

Dealing with debt

Your legal rights when you have debts, and the protection you have from people who are demanding money from you.


Photograph of someone filling out a receipt

What are the powers of bailiffs and debt collectors?

Your rights when dealing with bailiffs or debt collectors.


Man browsing the internet

Magistrates court fines

If the magistrates court convicts you of a criminal offence it may impose a fine, which is payable to the court. Use our advice tool to find out what to do next.

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