Chwefror 12 af 2012
If you’re in debt, you need to take action quickly to stop the situation getting any worse.
To start dealing with your debt problems, look at our page on How to sort out your debts. This will help you work out how much money you owe and whether you’ve got any urgent debts. Then you'll need to look at the section on Budgeting to see if you’ve got enough money to pay off your debts.
This information helps you to work out how much money you owe and which debts you have to pay first. It provides helpful lists of different types of debts and what can happen if you don't deal with them.
Help to work out if you have to pay back a debt and what you can do if you don't think you owe the money.
Help with how to work out how much money you’ve got coming in and going out of your household, whether you’ve got enough money to pay your debts, how to spend less money and how to increase your income. There is also an online budgeting tool to help you work out offers to non-priority creditors.
This information explains what the different options are for dealing with your debts, including what you can choose to do if you have no spare money to pay the debts. It describes what happens if you use a debt management company, organise a loan to pay off your debt or apply for a Debt Arrangement Scheme, a Trust Deed or Bankruptcy.
This information helps you to work out what to do about your most urgent debts, for example, your rent arrears and how to deal with the creditors. It also explains how to deal with debts for council tax, child maintenance, gas and electricity and income tax.
Information about how to deal with your creditors, how to negotiate payment of all the non-priority debts such as credit debt, hire purchase, overdrafts, catalogue debts and other loans. There is help to work out a repayment plan and tips about how to get your creditors to accept your plan.
You'll need Adobe Acrobat Reader to view the fact sheets.
Interactive tools to help you manage your debt
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