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This factsheet explains what a Debt Relief Order is (DRO) and details the criteria to apply for one, how your assets are treated, the advantages and disadvantages and what the DRO process involves. 

This factsheet outlines what a basic bank account is and why you may need one if you are entering a solution to deal with your debt.  
 

This factsheet provides an overview of dealing with business debt including monies owed to HMRC, business rates, rent and utility arrears, accountants’ bills, equipment leases and suppliers’ debts. It will also discuss options for dealing with the liability for sole trading, partnership debts and that of a Limited Company.

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. 

This factsheet is to help you understand how time spent addressing your debt problems can also help your overall health and wellbeing. 

This factsheet aims to provide some specific debt information and advice for those groups of people who are seen as vulnerable.  It will offer advice for people on a very low income; benefit advice for the elderly; advice for dealing with debts for those who are facing prison; and advice those who are suffering from serious illnesses.

This factsheet outlines what a basic bank account is and why you may need one if you are entering a solution to deal with your debt.

This factsheet provides information and advice on statutory demands and court action in Northern Ireland. We explain what a statutory demand is, options for dealing with one, how to set them aside and some useful contacts. It also details information on the Enforcements of Judgements Office (EJO) in Northern Ireland, what powers the EJO has and how the various options they could take would affect you.

This factsheet provides information on housing related debts, such as mortgage arrears, negative equity, mortgage shortfalls, rent arrears and housing rates arrears.  It also contains advice on the help you may be able to get at dealing with your housing related issue, help you negotiate with your mortgage provider or landlord and where to make a complaint.