Publications

We’re heading towards a Welfare Reform Mitigations cliffedge and thousands of vulnerable people across Northern Ireland may be facing a substantial drop in income. Read the latest mitigations discussion paper by Professor Eileen Evason and our head of Policy, Kevin Higgins.

A debt management plan (DMP) is an affordable repayment programme which Business Debt Service will help set up for you. It is managed by a free independent debt management company.

Bankruptcy is a way of dealing with debts that you cannot pay. Whilst you are bankrupt any assets that you have might be used to pay off your debts.

This factsheet is about how to deal with, and set aside, a statutory demand. This factsheet contains information for statutory demands when you are personally liable for the debt, but not if the debt is owed by a limited company or partnership.

When two or more people carry on a business to try and make a profit, it is known as a partnership. The word ‘firm’ is also used when referring to a partnership. We use both words in this factsheet.

This factsheet explains what you can do if you cannot pay your income tax bill. For information on the other types of tax contact us for advice.

Good ‘credit control’ procedures are very important to help make your business successful. This factsheet makes some suggestions that will help you to set up good credit control procedures.

This fact sheet gives information about private limited companies. We will use the terms ‘limited company’ and ‘company’ for the rest of this fact sheet. We explain the responsibilities of limited company directors and how to deal with any debts of the limited company.

In this fact sheet, we describe some important things to consider when you are a sole trader, including: how to approach your business, important types of bills you have to pay. and the main options available to deal with your debts.

This fact sheet gives information about leases for business premises. We describe: what options you may have if you want to end the lease; what you can do if you cannot afford to pay your rent; and the action that your landlord can take if you have fallen behind with your rent payments.

This fact sheet gives information about non-domestic business rates, how business rates are calculated and what you should do if you occupy, leave or vacate a property. This fact sheet also gives information about how to deal with business rates arrears, what action Land and Property Services can take and how you can negotiate an arrangement to pay your debt back.

An individual voluntary arrangement (IVA) is a legally binding agreement between you and your creditors. This agreement allows you to repay what you can afford towards your debts, with the remainder written off by your creditors when the arrangement is completed.

Supporting people aged 55+ to go online and access their rights and entitlements

Building Resilience in Retirement Project Report

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

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.

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

This paper aims to explore the issues and provide a basis for further discussion of the growth of food banks in NI.

Between April 2013 and March 2014 Debt Action NI dealt with over 5,200 clients with almost £62.3 million of debt.