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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.

• Struggling to pay your debt management plan

  Tells you what to do if circumstances mean you are struggling to pay the debt management plan, emphasising the need to contact the provider and not ignore the problem.

• Check your options for getting out of debt

  Find out what help is available if you’re struggling to pay your debts, including breathing space, debt management plans, administration orders, IVAs, DROs and bankruptcy.

• Debt management plan fees too high?

  Action you can take if you think the fees charged for your debt management plan are unfair, including a explanation of what counts as unfair.

• 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.

• 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.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• Can your debt relief order be stopped?

  Explains the circumstances in which the Official Receiver can stop (revoke) your debt relief order and how to challenge their decision.

• What happens at the end of a debt relief order

  How to check the date your debt relief order ends and get evidence from the Insolvency Service to prove it has ended.

• 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.