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If your circumstances change during your IVA
you change job or lose your job you realise you have other debts you haven't already told them about you get into more debt you move house If you’ve had a change in circumstances and you’re not sure
If you're struggling with your IVA payments
don't agree to the change and you can't keep up your payments, your IVA will end and you'll have to find another way to pay your debts. If your payments are reduced, your IVA will usually last longer
Stopping bailiffs
Stopping bailiffs Dealing with a letter saying bailiffs will visit Stopping bailiffs at your door Stopping bailiffs if you don't owe the debt Negotiating your debt with bailiffs
Paying towards your debts after you go bankrupt
Paying towards your debts after you go bankrupt This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales While you’re bankrupt
Hire purchase and conditional sale
tell you how much one third is. The lender will sell the repossessed goods at auction and the money they get will be used to repay your debt. If there isn't enough to pay the whole amount off, you
Struggling to pay - administration orders
of your debt will be written off. A review will normally happen in a court hearing. At the review At a review, the court can: make a composition order, if it did not make one originally. If you want
If you don’t pay your water bill
to pay. If you have more than one unpaid water bill, you should get separate reminder notices for each bill telephone you to ask for payment pass your debt to a debt recovery agent. As a last resort
Check if an IVA is right for you
check what an IVA is. You should also check your other options for getting out of debt. To decide if an IVA might be right for you, you'll need to check: how much your debts are if you have spare
Contact us
to find your nearest Citizens Advice or talk to us online or by phone. If you need help with money or debt If you’re having issues with money or debt, you can: talk to us online about a debt problem using
Writing a complaint letter about bailiffs
your first step is to write to whoever you owe money to - called your ‘creditor’. For example, if your debt is for council tax your creditor is your local council. When sending a complaint to your