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• Check which debts bankruptcy covers

  Find out which debts bankruptcy covers. Bankruptcy doesn't cover all debts so it's important to find out if it's the right option for your situation.

• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor.

• Check what an IVA is

  Find out how an individual voluntary arrangement (IVA) works and the type of debts you can include.

• Work out which debts to deal with first

  Check which of your debts are ‘priority debts’ that you should deal with first.

• Check what fees bailiffs can charge

  Find out what fees bailiffs can charge and how to complain if you disagree with the fees

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA).

• Creditor takes money from your bank account

  Information on third party debt orders to take money owed to you to pay creditors, how they affect your bank account and what to do if a frozen bank account leads to hardship.

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.