Results Of Debt
Recognise what happens when debts spiral out of control. We cover repossession, bailiffs, court procedures, and the personal impact of serious debt.
Common Debt Myths
Debt myths like everyone borrowing and all debt being bad can trap people in financial trouble, but some debt actually helps build credit and cash flow.
Coping with Missed Opportunities Due to Debt
Debt can cost you more than money, it affects your health, job performance, and career opportunities in ways you might not expect.
Debt Collection Agencies FAQs
Get answers about your rights when dealing with debt collection agencies and what powers they actually have.
Debt Collectors and Your Rights
Know what debt collectors can and can't legally do to you, and when their tactics cross the line into harassment.
Getting Into Debt and the Loss of Friends and Family
How serious debt problems can damage your relationships and cause personality changes that push away loved ones.
House Repossession
Getting a repossession order doesn't mean losing your home—here are steps you can take to stop it.
House Repossession Facts and Myths
Lenders must follow strict legal procedures before repossessing your home, and you have options to stop it even if you're behind on payments.
How Debt Can Affect Your Health
Serious debt can trigger anxiety, depression, back pain and other health problems that affect thousands of people in the UK.
How Lifestyle Can Impact Debt
Your lifestyle choices directly shape how much debt you accumulate and whether you can escape it.
How Serious Is Your Debt?
Check these warning signs to see if your debt is spiraling out of control and what it means for your finances.
How to Cope When Baliffs Arrive
Know your rights and what bailiffs can and can't do when they show up at your door.
Irresponsible Lending and Increased Debts
How irresponsible lending practices trap borrowers in unmanageable debt and what the Office of Fair Trading can do about it.
Is Your Over Spending a Symptom of a Bigger Problem?
Compulsive overspending can signal depression or addiction, and using shopping to cope with emptiness often leads to serious debt.
Recovery of Money and Property
Know your rights when recovering money or property through the small claims court and what legal procedures to follow.
The Bailiff Procedure
Bailiffs can seize your goods and enforce debts, but you have rights, here's what happens when they're called in and how to respond.
The High Price of Mobile Phone Debt
Missing mobile phone payments can quickly spiral into debt collector involvement, but negotiating with providers early gives you better options.
The Reality of Shopping Addiction and Debt
How shopping addiction creates real debt problems and financial hardship for thousands of sufferers.
The Rules of Earnings Arrestment
How earnings arrestment works and what debtors need to know about court-ordered wage deductions.
The Stages of Debt Recovery Explained
How debt recovery works from first contact through collection agencies and what options you have at each stage.
Types of Court Action
When creditors take you to court over debt, you can often avoid a hearing by proposing a repayment plan on the claim form.