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• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems.

• Paying back an Income Support overpayment

  Find out the different ways you can pay back an Income Support overpayment, including in instalments

• 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

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early

• 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

• Get help if you’re behind with your energy bills

  Find out what to do if you're having problems paying your energy bills or you're in debt to your supplier

• Get help if you're behind with your energy bills

  Find out what to do if you're having problems paying your energy bills or you're in debt to your supplier

• Check if you can increase your income

  Check you’re getting all the money you’re entitled to - including benefits, grants from charities and payments from government schemes