For advice on a debt problem take a look at the categories below and choose any that apply to you.  If you don't already have it installed on your computer you will need the free Adobe reader to view some of these documents.  Get it HERE:

Frequently asked questions:

• What happens in bankruptcy
• Bailiffs and the Council Tax
• Harassment by your creditors
• How do I deal with my business debts
• What if I've been refused credit
• What is a time order
• What can I do about negative equity
• What is an administration order

Self help:

• Increasing your income (ref 101)
• Dealing with priority debts (ref 102)
• Credit debts (ref 103)
• Mortgage arrears (ref 104)
• Rent arrears 1 (ref 105)
• Rent arrears 2 (ref 106)
• Bailiffs and rent arrears (ref 107)
• Getting re-housed (ref 108)

Our library of debt related articles:

• Administration orders
• Attachment of earnings in the county court
• Bankruptcy
• Charging orders in the county court
• Credit reference agencies
• Dealing with debts in the high court
• Debt management plans
• Full and final settlement
• Harassment
• Homeless - what should I do
• How can my landlord end my assured tenancy
• How to avoid debt at christmas
• How to deal with hire purchase debt
• How to deal with business debt
• How to set aside a judgement in the county court
• Interest charges after judgement
• Individual voluntary arrangement (IVA)
• Liability for debts and the limitation act
• Magistrate court fines
• Mortgage shortfalls
• Negative equity - what can I do if I want to move house
• Reducing payments or suspending a bailiffs warrant on a CCJ
• Replying to a county court claim form
• Review pack for people who can't afford to pay
• Review pack for people who can afford to pay
• Student debt
• Time orders
• Water rates - new rules
• What if a creditor refuses my offer of payment
• What to do about debt when someone dies

 

Sample letters to send to your creditors

• Ask your creditors to hold action on your account (ref 001)
• Ask your creditors to accept pro rata payments (ref 002)
• Ask your creditors to accept a token payment or no payment (ref 003)
• When a creditor refuses your offer of payment (ref 004)
• When a creditor refuses to freeze interest on your account (ref 005)
• When a creditor has turned down your offer of payment, interest is still being added and you want the creditor to take you to court (ref 006)
• When creditors have turned down an offer of payment, interest is still being added but you do not want to go to court (ref 007)
• When a creditor asks you to agree a voluntary charge against your home (ref 008)
• Request for a stay of execution in the high court (ref 009)
• Full and final settlement letter for any debt (ref 010)
• Ask your creditors to write of the debt due to your circumstances (ref 011)
• Ask your creditors to reconsider if they refuse to write off your debt (ref 012)
• Dispute your liability for a debt where a creditor has not contacted you for over six years (ref 013)
• Ask your creditor for a copy of your credit agreement under the consumer credit act 1974 (ref 014)
• Mortgage shortfalls: breakdown of balance owed (ref 015)
• Mortgage shortfalls: please write off the debt (ref 016)
• Mortgage shortfalls: full and final settlement letter (ref 017)
• Mortgage shortfalls: lender should not pursue under CML policy (ref 018)
• Inform your creditor that you are terminating your hire purchase/conditional sale agreement (ref 019)

Some of the above documents have been provided by the relevant government agencies.