Debt guide
Which debts should I pay first?
Understand priority bills and why some missed payments carry more serious consequences.
Read guideStruggling with debt?
We can help.
If debt repayments are becoming difficult to manage, there may be ways to reduce the pressure and help you get back in control.
Take back controlOptions tailored to youA clearer way forward
Debt solutions aren’t suitable for everyone. Depending on the solution, fees may apply and your credit rating may be affected.
For free, impartial money guidance, visit the independent MoneyHelper service.
You are not alone
Money worries build quickly and quietly.
It may be time to ask for help if...
Essentials are going on credit
Food, energy or everyday costs are covered by borrowing.
Payments leave nothing spare
Minimum payments leave little for household bills.
Contact is becoming stressful
Letters and calls are affecting your wellbeing.
You are unsure what comes first
Priority bills and creditors are competing for limited money.
Check if you
qualify for help.
Safe, secure, confidential
How it works
A clear way forward in three steps.
01
Tell us what is happening
Share rough figures and what's causing concern.
02
Understand your options
See which routes may suit your situation.
03
Choose without pressure
Weigh benefits, costs and risks before deciding.
Debt solutions in England
Understand the routes that may be available.
The right route depends on your income, debts, home and circumstances.
DMP
Debt Management Plan
One affordable monthly payment towards eligible debts.
Important: Interest is not guaranteed to stop.
Learn moreIVA
Individual Voluntary Arrangement
A formal agreement with creditors over a fixed period.
Important: Fees apply and credit is affected.
Learn moreDRO
Debt Relief Order
A formal option for low income and few assets.
Important: Strict criteria apply and credit is affected.
Learn moreBankruptcy
Bankruptcy
A formal route when repayment is not realistic.
Important: Assets, work and credit may be affected.
Learn moreConsolidation
Debt Consolidation
One new payment to replace several existing debts.
Important: Can cost more over time, and secured borrowing risks your home.
Learn moreInformal
Informal Arrangements
Reduced or paused payments agreed directly with creditors.
Important: Creditors need not accept.
Learn moreGeneral information only, not a recommendation. Formal solutions may involve fees, affect credit, restrict borrowing or place assets at risk.
Debts that may be included
We deal with all types of debt, including…
Solutions can cover a wide range of debts. Priority arrears need separate, urgent consideration.
Credit cards
Unsecured loans
Store cards
Business debt
Utility bills
Catalogues
Overdrafts
Debt collectors
Bailiffs
Court debts & CCJs
Latest guidance
Practical help for money worries.
Straightforward guides to common money questions.
Debt guide
What happens when creditors contact me?
Learn what to record, what to ask for, and where to find support if contact feels overwhelming.
Read guide
Debt guide
How debt solutions affect your credit file
A plain-language overview of credit-file impact and why timescales differ between routes.
Read guideFrequently asked questions
Clear answers before any decision.
The right route depends on your full circumstances, not only what you owe.
Will checking my options affect my credit score?
No credit search is made in this demonstration check. Some debt solutions can affect your credit file, and this should always be explained before you decide.
Do I need exact balances before I start?
No. Estimates are enough for an initial conversation. Exact balances and household figures would be needed before a formal recommendation.
Could a solution write off some debt?
Some formal solutions can write off qualifying debt at the end, but this is never guaranteed. Eligibility, completion, fees and consequences all matter.
What if I own my home?
Homeownership does not rule out support, but equity may need to be considered and some routes can put a home at risk. Independent advice is important.
Are all debts included?
No. Priority debts such as rent, mortgages, council tax, court fines and child maintenance need different treatment from unsecured debts.
Ready to understand what could work for you?
Five simple questions. No credit search. No obligation.
Check my options