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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. 

Dealing with a death is always difficult, but sorting other issues such as debt can add stress to the situation. This factsheet will help you establish liability for debts when someone has died, how to treat different types of debt, how owning a property may be affected by a person’s death and provide you with contact details of organisations that also may be able to help you.

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 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 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 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.