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Once your IVA is agreed you should stop receiving any payment demands from your creditors very quickly. What can you do if they keep calling?

Struggling to pay debts due to rising living costs? Use a debt management solution. Options if you are already in an IVA or DMP.

Modest fall in personal debts. Reduction in number of bankruptcies. Swapping to informal debt management solutions. Debt problems likely to continue.

An IVA can help with rising mortgage rates. How will an IVA help pay your mortgage payments? What is the risk to your property?

You can start a Debt Management Plan if you receive a pension. Will a DMP affect pension your fund? What if pension payments reduce during the Plan?

Can you go bankrupt if you are unemployed? Will you have to pay towards your debt? The cost of Bankruptcy if unemployed. What if you get a job?

You can start an IVA if the equity in your property is greater than your debt. Why will creditors accept? Could you ever be forced to sell your home?

How a change of circumstances will affect an Individual Voluntary Arrangement. When could an IVA be extended? Will it be reduced if you pay more?

Is it possible to borrow during a DMP? Getting a mobile phone or car loan. Could you get a cash loan? Can you remortgage during your Plan?