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While the festive period can be wonderfully joyful, for others it can bring with it stress and anxiety because of their financial difficulties. However It doesn’t have to be like this. The fact is there are ways to experience the best without bringing on the worst by running up unnecessary debt.

This factsheet explains Debt Management Plans (DMP). It will explain what a DMP is, the criteria to apply for one, what debts can and cannot be included, how your assets are treated, the advantages and disadvantages and what the DMP process involves. 

This factsheet explains an Individual Voluntary Arrangement (IVA). It will cover the criteria to apply for an IVA, what debts can be included, how your assets are treated, the advantages and disadvantages of an IVA, what the IVA process involves and how we can help you apply for one.

This factsheet will help you prepare for your first appointment with a debt adviser. It will describe the process your adviser will follow in the meeting and detail what documents or information you will need to bring with you. There is a budget planner at the end of this factsheet that you should complete to the best of your ability beforehand along with a template to list your creditors. We have also included a suggested checklist so you know which documents you should bring with you. 

This factsheet explains the difference between credit reports, credit referencing agencies, credit scores and credit searches. It will detail what information is held on a credit report, how to deal with being turned down for credit, how to challenge incorrect information on your credit report and provide tips on improving your credit score.