September 2012

Could a debt management plan help me avoid bankruptcy?

A debt management plan could help you to tackle your problem debts; however, it's also worth considering other debt solutions that could help you avoid bankruptcy.

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Debt management: can I write off credit card debts?

If you have credit card debts that you can no longer repay as agreed, a debt management plan can get them under your control again - with smaller payments you can make at a realistic pace.

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What to do if a County Court Judgment (CCJ) is made against you

If you fail to make your debt repayments as agreed, your lenders could ask a court to issue a County Court Judgment (CCJ) against you. This article gives advice on how to deal with it.

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What is a Warrant of Execution?

A warrant of execution is an instruction from the court to send bailiffs to someone's home. Bailiffs can take goods up to the value of the debt owed.

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Can lenders contact me on social media during a debt management plan?

The Office of Fair Trading said last year that lenders should not contact people in debt on social media - but it does still happen. So what are your rights?

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About us

We've been helping people get out of debt for almost 20 years. Read more about what we do and the charities we support.

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Fees & key info

Read more about the fees involved with each of the solutions we provide.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Conditions Apply. Repaying your debt over a longer period of time can increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and may also be affected in the medium to long term. Fees are payable when continuing service is provided.
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Every month we help 1000s of people to get out of debt. We are proud of the service we provide and of the awards we've received.

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