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 Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Your home may be repossessed if you do not keep up repayments on your mortgage.