Debt Resources

Business Debtline Service: 8 - Partnerships

Standards of Lending Practice

New Standards of Lending Practice for personal customers (the Standards) will replace the Lending Code and will bring an increased focus on ensuring good customer outcomes.The new standards build upon the foundations of the Lending Code and will become effective from 1st October 2016.

Which? Launch New 2016 Pension Guide

Which? have recently launched their 2016 guide which should help you become pension savvy, as it explains the pension basics, the significant changes to pensions, explores how to maximise retirement income and what tax bills might look like if you cash your pension all in.

Debt Management Plans- Business Debtline

This fact sheet gives information on debt management plans. For further information and advice on business debt, please contact Advice NI's Business Debtline on 08000 83 80 18

Top Ten Christmas Tips 2014

Debt Action NI has put together Top 10 Tips to help you manage your finances through the festive season.

Tax Sheet 2014/2015

For further information and advice on business debt contact Advice NI's Business Debtline 08000 83 80 18

Advice NI's Debt Action NI Impact Report 2012-2013

A report into the impact Debt Action NI has had during its first year of operation.

Dealing with a Statutory Demand

This fact sheet is about how to deal with, and set aside, a statutory demand. For further information and advice on business debt contact Advice NI's Business Debtline 08000 83 80 18.

Dealing with Income Tax Debt

This fact sheet explains what you can do if you cannot pay your income tax bill. For further information and advice on business debt contact Advice NI's Business Debtline 08000 83 80 18

Dealing with Debts of a Limited Company

This fact sheet gives information about private limited companies. For further information and advice on business debt contact Advice NI's Business Debtline 08000 83 80 18

Business Property Leases

This fact sheet gives information about leases for business premises. For further information and advice on business debt contact Advice NI's Business Debtline 08000 83 80 18

Individual Voluntary Arrangement

This factsheet provides further information on IVAs. For further information and advice on business debt contact Advice NI's Business Debtline 08000 83 80 18

Expensive Lending in Northern Ireland: A Discussion Paper

The Executive must do more to tackle the damaging and dangerous levels of payday and illegal lending in Northern Ireland, according to a report produced by NICVA and Advice NI.

Guide to Debt Relief Orders

This guide tells you what happens if you are granted a debt relief order (DRO). It is for general guidance only. If you are thinking of applying for a DRO, you should seek legal or financial advice.

Debt Relief Order Guide - Lithuanian

This guide tells you what happens if you are granted a debt relief order (DRO). It is for general guidance only. If you are thinking of applying for a DRO, you should seek legal or financial advice.

Debt Action NI Report 09/10

Debt Action NI is primarily a face to face debt advice service which has been in operation since November 2009.

Dealing with Rent Arrears

If you are struggling to pay your rent and have missed payments, don’t panic our Debt Action NI Advisers are here to help. Rent is classified as a priority debt and has serious consequences if not paid on time.

What options are available? Ways to deal with debt.

There are a range of options available to help you to deal with your debt. Before deciding on any of the options please speak to a Debt Action NI Adviser.

How to Budget - Better ways to manage your money.

Budgeting is away of understanding your own money situation, knowing what money you have coming in and what you have going out.It’s also the first step to take if you are struggling with debt as it helps to show exactly how much money you have available

Liability for Debts on Death

How a person’s debt is dealt with when they die is a complicated matter and you should get advice immediately. In some instances an individual’s debt may die with him/her, although creditors may be entitled to make a claim. In other instances they may not

Debt Collection Agencies

When you owe money and fall behind on your payments, your creditor might pass your details to a debt collection agency to collect what is owed. Collection agencies do not have any more legal powers than the original creditor.

Budget Planner

Better ways to manage your money.

Dealing with Debt

Are you worriedabout the amount of debt you have? Do you feel anxious about what might happen to you? Don’t panic! Help is at hand and there are several things that you can do to help ease the burden of your financial situation.

Debt Advice for People with Mental Health Problems

According to research carried out by the Royal College of Psychiatrists, one in four people will have a mental health problem some time in their lives and one in three people with a serious mental health problem are in debt.

Debt Advice for Older People

Older people and pensioners are among the worst hit during hard times and retired people are finding it harder to manage as savings are eroded and everyday essentials increase in cost.

Debt Advice for Lone Parents

Debt is one of the major causes of stress for lone parents. According to surveys carried out in Northern Ireland, three quarters of single parents are using credit to manage their finances and approximately 40% said they were "always in debt".