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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…
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).
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.
Find out what help you can get to help you manage your debts.
Chancellor of the Exchequer Rachel Reeves delivered her scene setter speech on Tuesday 4 November 2025.
This review draws mainly from studies that focus on debt reduction episodes, fiscal adjustment and its impact on the economy
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...
Check if you can claim relief from VAT if you supply goods or services to a customer, but you are not paid.
Help to understand debts and deductions taken from Universal Credit payments and who to contact about your debts and deductions if you're struggling financially.
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