Latest Articles

Can I be Responsible for Someone Else’s Debt?

Are you responsible for a spouse or partner’s debt? What if they use debt management? The impact on joint homeowners. Joint debt and personal guarantees.

Tax Credits Overpayments and an IVA

Can tax credits overpayments be included in an IVA? Will HMRC accept the proposal? What if the overpayments are in joint names? Is an IVA the best solution for tax credits overpayments?

CCJ – Can a creditor force me to pay?

How can a creditor enforce a CCJ? Applying for an Attachment of Earnings. Applying for a Charge against your property. How to reduce CCJ payments

Write off a Mortgage Shortfall by going Bankrupt

What is a mortgage shortfall? Can it be included in bankruptcy? How to write off a shortfall by going Bankrupt. Should you sign a Deed of Assignment?

IVA if Living with Parents

If you are living with parents and start an IVA will their property be blacklisted? Are you allowed to pay them rent? Will they be liable for your debt?

Pay Rise during Bankruptcy

What to do if you get a pay rise during Bankruptcy. Can you keep the extra money? What if you already have an IPA? The effect if you are already discharged?

Will a Guarantor Loan be Written Off if I go Bankrupt?

What happens to a Guarantor Loan if you go Bankrupt? Can you continue paying the loan? What if you pay it off beforehand? What if you are a Guarantor for someone else?