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
How to prioritise and reduce your debts, and where to get free debt advice
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…
Investigates feasibility of using individual level data on clients of the Consumer Credit Counselling Service
Find out what help you can get to help you manage your debts.
The role of the Government Debt Management Function (GDMF), the Government Debt Strategy, the Debt Functional Standard, and the the Debt Centre of Excellence
Get free, confidential and independent advice on dealing with debt problems across the UK - telephone, fax, opening hours, website
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.
To offer credit to consumers you must be authorised by the Financial Conduct Authority (FCA) and join the Financial Services Register
This Debt Fairness Charter is for people who owe personal debt to central government. It outlines how people repaying these debts should be treated.
This paper studies the role of morality in debt repayment, using an experiment with the credit card customers of a large Islamic bank in Indonesia.
If you don’t have enough to live on while you wait for your first payment you may be able to get an advance of your first Universal Credit payment.
Guidance for creditors applying to take a debt recovery step, cancel or amend the ‘breathing space’, or have a debt removed.
Tax and reporting rules for employers providing counselling services for employees
Comprehensive review to radically improve access to financial advice to benefit all consumers.
Guidance for creditors of a debt that has been placed in a ‘breathing space’.
Support for Mortgage Interest (SMI) helps homeowners on certain benefits pay interest on loans or mortgages - what you'll get, eligibility and how to claim.
If you have a health condition or disability, you’ll have an assessment to work out how much Universal Credit you can get and what you need to do in return.
Find out about cover policy and indicators for countries and territories that are covered by UK Export Finance.
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).