A factsheet that explains the different options you make have to clear your debts and sets out the advantages and disadvantages of each. 

Information on dealing with debt, including identifying debts, prioritising and budgeting.

There are lots of different types of credit available and they all have slightly different terms and conditions. This can make it complicated to work out the differences between them. This information explains all the different types of debt that exist and provides links to specific advice on each type.

Includes information on your rights if you are in debt, what debts you should pay off first, how to pay off or reduce debt.

There are ways to check if you’re responsible for paying off a debt. You should do this if you’re being chased to pay a debt for ‘borrowed money’. Find out if you have to pay back a debt and what you can do if you don't think you owe the money.

Some debts are more important than others. Information on what debts are considered 'priority' or 'non-priority'. Knowing which debts should take priority can help you to keep your home.

Information on the different debt solutions that are available, and how to work out what's the best option for you.

Information about finding the best solution to your debt problem.

Different lenders have different ways to collect unpaid debts. The speed they act, their attitude when they contact you, and the further action they might take, all differ. This information gives you a general idea of what  to expect.

You're in debt. You can't pay your bills and the list seems endless. You've missed the payments on the house, car, washing machine, furniture, TV, catalogue and credit card. How do you get back on track?

A questionnaire about you and your money. The health check helps you make decisions to make the most of your money. It provides impartial advice for anyone thinking about borrowing, saving, and planning for the future.

There are various options that exist to help you deal with your debt problems. These include bankruptcy, debt relief orders, debt management plans, administration orders, debt consolidation and Individual Voluntary Arrangements (IVAs). This page explains how they work and whether they might be right for you.

A Debt Management Plan (DMP) is an affordable repayment programme set up, for free, by National Debtline and managed by an independent company. Explains who can use the service and how it works.

An IVA is an alternative to bankruptcy. Explains what it is, and who it's suitable for. You need an insolvency practitioner to set up an IVA and you will have to pay a fee for their services.

Explains what hire purchase and conditional sale agreements are, and what to do if you fall behind with payments on a hire purchase agreement. Explains your rights and the rights of your creditors.

Explains what full and final settlement offers are and when they may be a useful way out of debt. Also contains a sample letter to help you write to your creditors.

Outlines the types of debt you may have if you had a small business and have stopped trading or have been self-employed. Gives contacts for further advice.

Explains what a mortgage shortfall is and how long you can be pursued for the debt. Includes what to do if you dispute the amount and how to negotiate repayments.

Helps you get debt and benefits advice from a debt adviser who can help you manage your money, find the best approach to dealing with your debts and more.

Information about whether you can go bankrupt in England or Wales when you live abroad. Includes what what is likely to happen after you go bankrupt and if your creditors may still be able to take action against you abroad after you have gone bankrupt in England or Wales.