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.

This content applies to England

How to sort out how much money is owed and to identify the most urgent or priority debts.

Options for dealing with debt including debt management plans, administration orders, debt consolidation and Individual Voluntary Arrangements (IVAs).

How to deal with priority creditors and urgent debts such as mortgage and rent arrears, utility arrears and council tax arrears.

How to deal with non-priority creditors and less urgent debts including how to deal with debt collectors.

Information about changing or cancelling county court judgments (CCJ).

Advantages and disadvantages of going bankrupt and how to go bankrupt.

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.

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.