Below we have outlined the most common questions asked about debt. Please click on a question to get the relevant answer.

Is my credit rating going to be affected?
I am being threatened with court action, what can I do?
Can I go to prison for debt?
Will I lose my house?
What is consolidating debt?
What is an IVA?
What are debt management services?
What is bankruptcy and when should I declare it?
Will I be able to get a mortgage or credit in the future?

Debt What are debt management services?

They are people who you hire to represent you to your creditors. They will attempt to negotiate new terms for paying off the debt. They will even allow you to pay you creditors through them, giving you one monthly sum to pay instead of many.

These services can be a great way of controlling and managing debt but are not legally binding on your creditors.

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