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
Bankruptcy and IVAs explained
IVAs are often called 'bankruptcy light', but both have serious repercussions for your credit rating
Other debt solutions
Find out if a debt relief order, debt management plan or other solution could help clear your debts
Reasons to avoid debt management firms
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
