Situation Guides
Debt help by situation
Start with the problem you are facing, then speak to free regulated advice before committing to any solution.
Can't pay my debts
If you cannot pay your debts as they fall due, pause and get regulated advice before choosing a product. Priority bills,…
Bailiffs and enforcement
Bailiffs and enforcement agents in England and Wales have specific powers and limits. Knowing what they can take, when t…
Keeping your home
Whether you can keep your home depends on the solution, equity, joint ownership and payment of secured debts. IVAs, bank…
Keeping your car
Vehicles on finance, on HP, or owned outright are treated differently across DMPs, IVAs, DROs and bankruptcy. Essential …
Credit card debt
Credit card balances are usually non-priority unsecured debts. Options range from budgeting and DMPs to DROs, IVAs or ba…
Council tax and government debt
Council tax, HMRC debts and some government overpayments are often treated as priority debts with stronger enforcement p…
Court claims and CCJs
County Court claims and CCJs can increase enforcement risk and damage credit files. Responding on time and seeking advic…
Credit score and your future
Formal insolvency and many repayment arrangements affect credit records for years. Understanding markers, rebuilding ste…
Marriage, divorce and joint debt
Joint debts, guarantees and matrimonial homes complicate insolvency choices. Advice should cover both names on credit ag…
Self-employed and business debt
Sole traders often mix personal and business liabilities. Bounce Back Loans, VAT and supplier debts need careful mapping…
Benefits, pensions and low income
Low income and benefit-reliant households may be closer to DRO or MAP-style routes than contribution-heavy IVAs. Pension…
Mental health and debt
Debt and mental health often interact. Breathing Space, specialist support and free advice services can reduce creditor …