Types of Debt We Help With
What each type of creditor can and can't do, what to prioritise, and which regulated solutions can include the debt.
Council Tax Arrears
Council tax is a priority debt. Councils have strong recovery powers and can move from a missed instalment to a liability order and enforcement agent referral within…
Read the guide →Credit Card Debt
Credit cards are among the most common debts people seek help with. High interest means minimum payments can leave you repaying for decades. Several solutions can freeze…
Read the guide →HMRC Tax Debt
HMRC is one of the UK's largest creditors and has powers that go beyond ordinary lenders – including taking money directly from wages and bank accounts. HMRC will…
Read the guide →Personal Loan & Payday Loan Debt
Whether it's a bank loan, a high-cost short-term loan or a guarantor loan, unsecured borrowing can quickly become unmanageable when circumstances change. All of these…
Read the guide →Overdraft Debt
An overdraft is easy to slip into and hard to climb out of. Since 2020 banks must charge a single interest rate – often around 40% – and treat an overdraft as debt,…
Read the guide →Energy & Utility Bill Arrears
Energy and water bills have risen sharply and arrears are increasingly common. Energy debt is a priority because suppliers can fit prepayment meters; water companies…
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