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

• Updated: 21 December 2017

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.

• 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…

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).

• Updated: 28 June 2024

Free and impartial help with money and pensions.

• Updated: 21 December 2017

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

Help and advice including cost of living support, online calculators and tools, health related support and medical grants, utility support, savings and bank accounts.

• Updated: 9 July 2024

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

• Updated: 12 September 2024

If you have been struggling with debt for some time and need a fresh start this New Year, the Insolvency Service has sources of information and practical solutions to relieve serious financial burdens.

• Updated: 8 January 2025

Important guidance and support available for victims and witnesses of serious fraud, bribery and corruption.

• Updated: 12 November 2024