Latest Articles

Will Interest Charges be Stopped in a Debt Management Plan?

Do creditors have to freeze interest charges in Debt Management? How to improve the chances of interest charges being frozen. What if creditors refuse?

I cannot afford the Bankruptcy Fee

The up front fee can be a barrier to going bankrupt. Is it possible to save the fee? Is there a cheaper alternative to Bankruptcy?

Can I claim for PPI mis-selling if I am Bankrupt

Claiming for mis sold PPI during or after Bankruptcy. Can you keep a compensation payment awarded? Can you claim against a debt not included in Bankruptcy?

Will I get a Charging Order if I can’t pay my debt

What is the affect of a Charging Order? Will you be forced to sell your property if you get one? How can you protect your home?

Can I use an IVA to solve my debt problem

Who is an IVA best suited for? Do you qualify for the Arrangement? What are the reasons it might not be suitable?

I am still waiting for my IVA Completion Certificate

How long should you have to wait before you get your IVA Completion Certificate? Have you been given an invalid reason for the delay? What can you do?

Telling my Partner about a Debt Management Plan

Do you have to tell your Partner about a DMP? Do you have to tell creditors about a Partner’s income? What if you have joint debts? Could your partner find out?

I am in an IVA but my IVA company is refusing to add a new debt

Are there alternatives to adding a new debt to an IVA? Can new debt be repaid alongside an IVA? Is a payment break possible? Can I let my IVA fail and restart?

The affect of a DMP if you live in a rented home

How will a Debt Management Plan affect your home if you are renting? How will your landlord react? Can you rent a different property? Is it the best solution?