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With more than five million households using credit cards to pay for household bills we consider the options available if you find that you are running out of money before the end of the month.

Choosing the right debt management company is important. Make sure they are licensed. Do you want help with a DMP or IVA? Are you comfortable with the advice?

Student Loans are available even if your credit rating is poor. What about other forms of Student credit? The problems with repaying debt after graduation.

The people you live with should not be directly affected by your debts. Could they become responsible for your debt? Will their credit rating be affected?

There is no limit to the number of debts needed for an IVA. Can you start an IVA with one debt? Can one creditor reject an IVA? Are family debts included?

It is possible to claim for mis sold PPI during a DMP. Will you receive your compensation? Options if you get a lump sum. Can you claim and then start a DMP?

Numbers of people going bankrupt fell in Q1 2011 compared to Q1 2010. Why are the figures falling? Are they distorted? Will the numbers continue to reduce?

The Insolvency Service is set to increase bankruptcy petition fees by a further £75 on June 1 2011.

You should include all of your creditors in your IVA. How to find a list of what you owe. Can you add forgotten debts after your IVA has started?