Debt guides

Our debt guides focus on the various options that can help you make your debt more manageable, from consolidating your arrears to declaring yourself bankrupt.

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What happens after you are discharged from bankruptcy?

The day you're discharged from bankruptcy is a new start, all the debts you took into bankruptcy will be gone and you're free to start afresh, but what happens next? Here's how to start getting your finances back on track.

10 steps to becoming debt free

We explain, step by step, how you can work towards clearing your debts and becoming debt free.

Should I use my mortgage to pay off other debts?

Consolidating credit cards and loan debts into your mortgage can seem a no-brainer - after all, given the size of the debt, mortgage payments can seem low. However, it is not necessarily the win-win strategy it seems - we explain.

Cure the debt hangover from your student days

When you are a student, money tends to be the last thing on your mind. But as the heady days of student-hood become consigned to the realm of nostalgia, it is time to pick up the tab.

Managing debt when living with a disability

We explain how to deal with debt if you have a disability and show you where to get help if you need it.

Which debts should you pay off first?

If you're juggling several different debts the best thing you can do is to tackle them head-on. But where do you start? We look at which debts you should pay off first so that it's easier to get on track to becoming debt-free.

Should I use my savings to pay off my debts?

Building up your savings can be rewarding, but you could be damaging your finances if you have outstanding debts. Here's how to work out whether you should use your savings to clear money you owe instead.

Dealing with debt - where to start

Being faced with unmanageable debt can seem overwhelming but there are a number of options available to you. We explain where to start if you're dealing with debt.

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How to declare yourself bankrupt

If you're in financial trouble and struggling to repay your debts, you might be considering bankruptcy. We look at exactly what declaring yourself bankrupt involves, what the alternatives are and how to work out your best option.

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What actually happens if you go bankrupt?

Bankruptcy is financially painful, but in many cases you'll be discharged within a year and free to get on with your life without the debts that were crippling you financially hanging over you. Here's what to expect if you go bankrupt.

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What to do if your debt management company goes bust

If your debt management company stops trading, you need to make sure you keep up with repaying your debts. Here is what you need to do and where you can get help.

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Managing your debt during the pandemic

To help ease some of your worries there are some things you can do to prepare for the financial uncertainty and take steps to manage your debt.