Debt guides
Plain English. No judgement. Free.
Priority debts: which bills to pay first
Some debts can lead to losing your home, your energy supply or your freedom. Here's how to tell priority debts from the rest.
Breathing Space: 60 days' protection from creditors
Breathing Space can pause interest, charges and enforcement for 60 days while you get debt advice. How it works in England and Wales.
Debt Relief Orders (DROs): who can get one
A DRO can write off debts of up to £50,000 if you have little spare income and few assets. The limits, explained.
Bailiffs (enforcement agents): your rights
What bailiffs can and can't do, what they can charge, and what to do if they're coming.
Debt letters: what they mean and what to do
From reminders to default notices and court forms. How to read debt letters, and why you shouldn't ignore them.
Bankruptcy: the basics
How bankruptcy works in England and Wales, what it costs (£680) and what it can mean for your home and job.
How to make a budget that actually works
A simple, honest budget is the first step out of debt. How to build one in half an hour.
Free debt advice: where to get it
You should never have to pay for debt advice. These UK services are free and confidential.
Figures checked 21 September 2026. Rules differ in Scotland and Northern Ireland.