1. Overview

How you repay your debts depends on:

  • what spare income you have - this can be used to make regular payments to your creditors
  • what assets you can sell - these can be sold to help pay your debts
  • your situation - for example, if you’re bankrupt or facing bankruptcy there are alternatives like Fast-track Voluntary Arrangements and Debt Relief Orders

Where you can get help

The Money Advice Service has more information about debt management and where you can get free debt advice.

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