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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.
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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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Your circumstances have changed - debt relief orders
Explains the types of change in your circumstances that you must report to the Official Receiver and what could happen if you do not report them.
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Complaining to a debt management company about an IVA
Tells you how to make a complaint about a debt management company, if you are not happy with their service.
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Do you need to pay for a debt management plan?
Advantages and disadvantages of choosing a fee-charging debt management plan provider over on that offers a free service.
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Information your debt management plan provider must give you
Explains what to do if a debt management plan provider has not given you all the information you are entitled to when choosing or signing up for a debt management plan.
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Help with debt and rent arrears on Universal Credit
Financial help if you're on Universal Credit and are in debt, have rent arrears or are struggling with money, eg budgeting loans, alternative payment arrangements, how to talk to your landlord or creditor.
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Work out which debts to deal with first
Check which of your debts are ‘priority debts’ that you should deal with first.