We use some essential cookies to make this website work.
We’d like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services.
We also use cookies set by other sites to help us deliver content from their services.
You have accepted additional cookies. You can change your cookie settings at any time.
You have rejected additional cookies. You can change your cookie settings at any time.
Departments, agencies and public bodies
News stories, speeches, letters and notices
Detailed guidance, regulations and rules
Reports, analysis and official statistics
Consultations and strategy
Data, Freedom of Information releases and corporate reports
Get free, confidential and independent advice on dealing with debt problems across the UK - telephone, fax, opening hours, website
Alternatives to bankruptcy and the different types of agreements you can make with your creditors.
If you owe people money (your ‘creditors’) you can make arrangements to…
If you live in England or Wales, you can get temporary protection from…
A Debt Management Plan is an agreement between you and your creditors to…
An administration order is a way to deal with debt if you have a county…
An Individual Voluntary Arrangement (IVA) is an agreement with your…
Debt Relief Orders (DROs) are one way to deal with your debts if you: owe…
How to prioritise and reduce your debts, and where to get free debt advice
The role of the Government Debt Management Function (GDMF), the Government Debt Strategy, the Debt Functional Standard, and the the Debt Centre of Excellence
A Debt Relief Order (DRO) is a solution to deal with personal debts you cannot pay. It helps you make a fresh start (with some restrictions).
During Debt Awareness Week, we talk to Neil Sutton, a senior leader within the bankruptcy and Debt Relief Order teams at the Insolvency Service, about some of the options that can help people on their journey out of debt.
Find out what help you can get to help you manage your debts.
Guidance for insolvency practitioners to help their clients restructure their company’s finances using a debt restructuring scheme or plan.
Guidance on debt relief orders for debt advisers. To search, press ‘control’ and ‘f’ on your keyboard at the same time. A search box will appear.
This Debt Fairness Charter is for people who owe personal debt to central government. It outlines how people repaying these debts should be treated.
Information for people who have a Debt Relief Order about what happens after.
Guidance for creditors applying to take a debt recovery step, cancel or amend the ‘breathing space’, or have a debt removed.
Appeal a debt adviser’s decision to include your address in a ‘breathing space’ for a debt that you owe.
How HMRC uses debt enforcement powers, debt collection agencies and what happens if you live abroad when you do not pay your tax bill.
The DMO carries out the government’s debt management policy of minimising financing costs over the long term, taking account of risk. We minimise the cost of offsetting the government’s net cash flows over time, while operating in a risk appetite...
Guidance for creditors of a debt that has been placed in a ‘breathing space’.
What you need to know if you are a creditor with a debt listed in a Debt Relief Order (DRO).
Don’t include personal or financial information like your National Insurance number or credit card details.
To help us improve GOV.UK, we’d like to know more about your visit today. Please fill in this survey (opens in a new tab).