Latest Articles

Can you include a guarantor loan in a debt management plan? Are you allowed to leave it out? Could your guarantor also start a DMP?

Is a joint debt management plan possible? How are the monthly payments calculated? What if you split up during a joint DMP?

Do you have to sell your house or release equity in a DMP? Is your mortgage affected? Can your creditors secure debt against your property?

What happens to a CCJ if you go bankrupt? Can the CCJ record be removed from your credit file? Can the creditor still take action against you?

Types of debts you can include in a DMP. Which can’t be included? Can you choose to leave any out? The minimum amount you have to include.

After a property is repossessed, can you pay a mortgage shortfall with a debt management plan or IVA? Will going bankrupt write off the debt?

Is the bankruptcy application process fast? When will creditors and bailiffs stop chasing you? What happens after you are bankrupt?

How to improve your credit rating after an IVA. Can you get car finance. Applying for a mortgage. When can you get a bank overdraft?

What is the advantage of a lump sum (full and final settlement) IVA? How much do you have to pay? Where can you get the required money?