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Help with debt
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.
Mae'r cynnwys hwn yn berthnasol i Gymru
Sut i ddatrys eich dyledion
How to sort out how much money is owed and to identify the most urgent or priority debts.
How to dispute a credit debt
Opsiynau ar gyfer delio â dyled
Options for dealing with debt including debt management places, administration orders, debt consolidation and Individual Voluntary Arrangements (IVAs).
Dealing with urgent debts
Sut i ddelio â’ch credydwyr
How to deal with non-priority creditors and less urgent debts including how to deal with debt collectors.
Newid gorchymyn llys am ddyled
Information about changing or cancelling county court judgments (CCJ).
Methdaliad
Advantages and disadvantages of going bankrupt and how to go bankrupt.
Gorchmynion gostwng dyled
Information about debt relief orders, including who can apply, how to apply, type of debts which can be included and what clients can and cannot do during the debt relief order period.
Trefniadau Gwirfoddol Annibynnol (IVAs)
Information on Individual Voluntary Arrangements (IVA), how an IVA works, the effect on the home and future credit, and finding an insolvency practitioner.
Debt remedy tool
An online debt remedy tool from the debt advice charity StepChange Debt Charity to help you work out your options if you are in debt.