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• Help dealing with mortgage debts

  Different options which might be available to help clear your mortgage debt and pay back the money you owe to your lender.

• Avoiding creditors making you bankrupt

  Lists actions you can take to avoid being made bankrupt by someone you owe money

• Using a food bank

  How to get emergency food from a food bank. You can get a referral or look for a food bank that you don't need a referral for, such as ones ran by a church

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one.

• 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.

• Check what an IVA is

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

• Dealing with Council Tax arrears

  What happens when you miss a council tax payment, and how to negotiate with your council to pay what you owe in smaller amounts

• Writing off some of your debt if you apply for an administration order

  Tells you how to ask for a composition order, as part of an administration order, to get part of your debt written off.

• Paying towards your debts after you go bankrupt

  While you’re bankrupt, you might be asked to make payments towards your debts if you have money left over after you’ve paid for the things you need. Find out more.

• Paying back a Housing Benefit overpayment

  Find out the different ways you can pay back a Housing Benefit overpayment, and what to do if you can’t afford to pay anything at all