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How income, debts and belongings are assessed for a debt relief order
Explains how an adviser assesses the value of your debts, income and belongings during the debt relief order application process.
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Switching energy supplier if you’re in debt
When you can switch, what to do if your supplier won't let you.
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Check if you have to pay a debt
How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable for.
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Stopping bailiffs if you don't owe the debt
Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money.
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Liability for joint debts if your partner is bankrupt
Explains what happens to any joint debts taken out with your partner, if they go bankrupt.
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Adding a debt to your individual voluntary arrangement
How to deal with debts you didn't realise you had, from 'unknown creditors', which appear after an individual voluntary arrangement is in place.
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Credit rating - impact of debt relief order
Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future.
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Creditors still contacting you - debt management plans
Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you.
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Cold called by a debt management plan provider
How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door.
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What happens when a debt relief order is made?
Explains what happens once a debt relief order has been made and your responsibility to report a change of circumstances, or information you forgot to include in the original application.