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 should I do if I can't pay my mortgage?

If you find yourself in a position where you can't meet your monthly mortgage payments, it is important not to bury your head in the sand. Help is at hand and there are things you can do to get back on track.

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Coronavirus: Getting a mortgage payment holiday

Try our handy tool to help you understand if a mortgage payment holiday is the right option for you and what impact it might have on your future payments.

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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.

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10 steps to becoming debt free

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

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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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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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How to heal your credit file after an IVA

When your individual voluntary arrangement (IVA) finally ends you're well and truly free and clear and your money is your own again. A happy day indeed!

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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.

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How to deal with debt collectors

Knowing how to deal with a debt collection company if you are approached for money can ensure you're not intimidated or misled. Here's how to handle debt collectors and avoid the traps they set to get you to pay up.

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Can debt collectors take money from your bank account?

Worried that cash will be taken from your bank account by companies you owe money to? We explain whether this is likely and what you can do about it.

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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.

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In debt? What's the worst that can happen?

Being in debt and struggling to pay your bills can be frustrating and stressful, especially if you are feeling pressured into making repayments you cannot afford. But how far can companies actually go to reclaim your money?

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