How to deal with debt

  • Debt management plans, IVAs, debt relief orders and bankruptcy explained
  • Reasons to avoid commercial debt management companies
  • Key contacts for free and independent debt advice

What's in this guide

Debt management companies: why to avoid them

Commercial debt management companies charge for a service that is available free elsewhere

Free debt advice contacts

Organisations that can offer you free practical help and advice on debt

10 ways to pay off your debts

Pay less interest and clear your debts more quickly by following our tips for managing your borrowing.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.