Debt and credit articles
Clear, practical guides covering credit reports, debt letters, court action and the debt solutions available across the UK.
- 🇬🇧 UK🌍 Global
Building a Standard Financial Statement
The budget format creditors already accept, why it includes a savings line, and where people go wrong filling it in.
- 🇬🇧 UK🌍 Global
Preparing for a Debt Advice Appointment
What actually happens in an appointment, in what order, and how to make one hour do the work of two.
- 🇬🇧 UK🌍 Global
Debt Management Plan, IVA or Debt Relief Order?
Three routes people routinely confuse. What each one is, who it is built for, and what happens when each goes wrong.
- 🇬🇧 UK🌍 Global
Dealing With Creditors and Debt Collectors
Collectors are not bailiffs and have no powers of entry. Where the line sits, and how to tell a chasing letter from…
- 🇬🇧 UK🌍 Global
Checking a Debt Firm Is FCA Authorised
Two minutes on a public register. The trading-name step is the one that catches most problems.
- 🇬🇧 UK🌍 Global
Fee-Charging Debt Firms Against Free Charities
Same statutory arrangement, same legal effect – the difference is where your monthly payment goes.
- 🇬🇧 UK🌍 Global
Protected Trust Deeds: How They Work and What They Cost
Protection, contributions, duration and the effect on assets – including the two things the marketing rarely explains.
- 🇬🇧 UK🌍 Global
Breathing Space: Statutory Protection From Creditors
A legally protected pause, not a debt solution. Eligibility, duration, and what the scheme does and does not stop.
- 🇬🇧 UK🌍 Global
Talking to Family About Debt
Telling someone is not asking them for money, and saying so first changes the conversation. Who to tell, how to open it,…
- 🇬🇧 UK🌍 Global
Documents to Gather Before Seeking Debt Help
What to take to a debt advice appointment, organised by debt type, so an hour achieves something rather than being spent looking…
- 🇬🇧 UK🌍 Global
The Debt Arrangement Scheme: Statutory Protection Without Insolvency
A Scottish statutory route with no English equivalent: interest frozen, enforcement held off, debts repaid in full, and no insolvency event.
- 🇬🇧 UK🌍 Global
Debt Solutions in Northern Ireland
The debt routes available in Northern Ireland, administered under separate legislation, and where the process differs from England and Wales.