Debt solutions
Different Situations. Different Solutions.
Every option below has different eligibility rules, fees and consequences — and availability depends on where in the UK you live. This is general information, not a recommendation.
Available across the UK
Debt Management Plans
An informal arrangement that may help people repay unsecured debts at an amount they can afford.
Read the guide England, Wales and Northern IrelandIndividual Voluntary Arrangements
A formal insolvency solution available in England, Wales and Northern Ireland, subject to eligibility and professional assessment.
Read the guide England, Wales and Northern IrelandDebt Relief Orders
A formal debt solution for eligible people in England, Wales and Northern Ireland with lower debts and few assets.
Read the guide Available across the UKDebt Consolidation
Combining eligible debts into a new borrowing arrangement, which may affect total repayment costs and can involve additional risks.
Read the guide Scotland onlyScottish Debt Solutions
Scotland has its own debt solutions, including the Debt Arrangement Scheme (DAS) and Protected Trust Deeds.
Read the guide