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How to prioritise and reduce your debts, and where to get free debt advice

• Updated: 21 December 2017

Alternatives to bankruptcy and the different types of agreements you can make with your creditors.

• Overview

  If you owe people money (your ‘creditors’) you can make arrangements to…

• Breathing Space (Debt Respite Scheme)

  If you live in England or Wales, you can get temporary protection from…

• Debt Management Plans

  A Debt Management Plan is an agreement between you and your creditors to…

• Administration orders

  An administration order is a way to deal with debt if you have a county…

• Individual Voluntary Arrangements

  An Individual Voluntary Arrangement (IVA) is an agreement with your…

• Debt Relief Orders

  Debt Relief Orders (DROs) are one way to deal with your debts if you: owe…

Find out what help you can get to help you manage your debts.

Highlighting common difficulties faced by the services’ mobile population in acquiring credit and offers advice on how to overcome these.

• Updated: 15 June 2020

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.

Financial help if you're disabled - benefits, housing costs, council tax, vehicle tax exemption, TV Licence, motability schemes, VAT relief

FCDO travel advice for Panama. Includes safety and security, insurance, entry requirements and legal differences.

• Updated: 21 August 2025

Find out about financial support available to veterans and their families.

• Updated: 12 September 2024

Apply for financial support if you need an advance or hardship payment before your next Universal Credit payment.

Late commercial payments - interest and debt recovery costs you can charge businesses for late payments