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.

Young caucasian couple calculating domestic finances to pay off debt.

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.

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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.

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Stressed couple looking at finances

Should you ever use your credit card to pay your mortgage?

When money is tight, you might be tempted to make your mortgage payments using your credit card, we look at whether this is ever a good idea.

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Stressed couple looking at bills

Are debt collectors allowed to harass you?

We explain exactly how and when debt collectors are allowed to contact you so that you can prepare yourself for when they call, and complain when they've overstepped the mark.

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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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Depressed man on bench

The financial impact of depression and grief

Depression and grief affect many areas of your life and this includes your finances. We take a look at how to make sure your money situation doesn't add to your worries when you're going through such a difficult time.

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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.

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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.

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Can business debt affect your personal finances?

If you've built up business debt that you can't escape, it's important to know if your personal finances will take a hit. We examine whether you can protect yourself from bad business debt.

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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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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 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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