How can a Charging Order Application be stopped?

A final Charging Order will be issued at a Court Hearing. Arguments which can be used at the Hearing to prevent a Charging Order from being issued.

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?

Will a property I own abroad be included if I carry out an IVA?

Property you own abroad is affected by an IVA? Is income from the property included? Is any equity at risk? What if you do not disclose the property?

Should I delay starting a DMP if I am planning to move home?

Should you postpone your DMP if you plan to move. What if you want to rent? Should you delay if you want to buy? What if your credit rating is already poor?

Can interest be added to a Charging Order?

It may be possible to add interest to a Charging Order debt. When can interest be added? How to reduce or stop interest if it is being added.

How is a Charging Order issued?

A CCJ must first be issued before a Charging Order can be applied for. What is an interim Charge? How to stop a Charging Order application.

Will my property outside the UK be affected if I go Bankrupt?

Property owned abroad is included in Bankruptcy. Will you be forced to sell it? What if there is a lot of equity? Is it possible to hide the property?

What happens to my House in a Debt Management Plan?

You do not have to release equity if you use a Debt Management Plan (DMP). Can mortgage arrears be included? Is your property at risk of Charging Orders?

How will my House be affected if I do an IVA?

What happens to your house if you start an IVA? Will you have to release equity? What if you cannot remortgage? Effect on a jointly owned property.