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• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• Complaining about debt management plan providers

  How to make a complaint to your debt management plan provider and taking a complaint to the Financial Ombudsman Service if you are unhappy with the provider's response.

• Credit rating - impact of debt management plan

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

• 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.

• If you can't pay your water bill

  What can happen when you owe your water company money and what you can do about it. Check what actions you can take

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ

• 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.

• 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.