Really clear information from the experts about the different options you make have to clear your debts and sets out the advantages and disadvantages of each. Some solutions will clear your debts fast, others will clear your debts for free. 

There are many types of debt and they can impact you in different ways. You need to know which debts are the most important so you can deal with your situationeffectively. This information provides with advice on each type - from joint debts, to utility bills, to court debts. 

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

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.

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.

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.

Explains when a debt relief order (DRO) may be a good option for you to deal with your debts. A DRO stops most creditors from taking further action against you and can help you to get a fresh start. The law about DROs can be complicated, but this fact sheet explains what you need to know step by step.

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.

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 bankruptcy is, how to go bankrupt and what effect it will have on you. Also covers the alternatives to bankruptcy.

You may first become aware of a problem with a tax debt when a debt appears on your Statement of Account, or you receive a letter threatening legal action. Explains what to do next.