Get Out of Debt

Practical advice on managing serious debt situations and understanding your options. Articles cover bankruptcy alternatives, credit management, and specific guidance for different life circumstances.

Bankruptcy vs an Individual Voluntary Arrangement (IVA)

Understand how bankruptcy and IVAs work, and what consequences each option carries when you're struggling with debt.

Can 'Sell and Rent Back' Help Me Out of Debt?

See if selling and renting back your home could help you escape repossession, and what the real costs might be.

Debt Help Companies That Can Be Trusted

Reputable debt help companies put your interests first, but many advertise false promises and hidden fees, here's how to spot the trustworthy ones.

Debt Relief Order: The Best Alternative to an IVA

See how a Debt Relief Order compares to an IVA and whether it might work better for your situation.

Government Help for People in Debt

The UK government offers debt relief options like Individual Voluntary Arrangements and Enforcement Restriction Orders to help struggling consumers manage.

I'm a Pensioner and Am Falling Into Debt, What Can I do?

Rising costs are pushing pensioners into debt, but releasing equity from your home could give you the cash to cover bills and live comfortably.

I'm a Student and in Debt, What Can I do?

If you're a student struggling with debt, here are practical steps to avoid borrowing beyond your student loans and getting into real trouble.

I've Lost My Job What Can I do?

Take steps immediately after job loss to avoid debt, repossession and damage to your credit rating.

Life After an IVA: Staying Debt Free

How to stay debt free after your IVA ends and avoid the pitfalls of borrowing again.

Loans and Clearing Debts

Understand how secured and unsecured loans work and the risks of borrowing more money to clear existing debt.

Managing Your Credit Card Debt

Stop treating credit cards like free money and learn how interest charges can trap you in debt.

Remortgaging and Debts

Using a remortgage to consolidate debts can help you manage multiple payments, but availability has tightened due to the credit crisis.

The Realistic Way to Clear Personal Debts

Clearing personal debts takes real commitment and sacrifice, here's how to do it without falling for scams or paying for help you don't need.

What Happens if I Get Ill and Can't Pay My Mortgage?

Missing mortgage payments when you're ill is stressful, but talking to your lender and creditors early can help you avoid serious problems.