If you’re dealing with unmanageable debt, two of the most common solutions you might come across are an Individual Voluntary Arrangement (IVA) and a Debt Management Plan (DMP). Both can help you regain control of your finances, but they work in very different ways. In this guide, we’ll explain the difference between an IVA and…
If you’re struggling with debt, the number of options available can feel overwhelming. From formal agreements like Individual Voluntary Arrangements (IVAs) to flexible repayment plans, it’s not always clear which route will suit your situation best. This step-by-step guide will help you start narrowing down your options, so picking a debt solution becomes less daunting. …
If you’ve received a visit or letter from a debt collection agency, you might be wondering what they can take from you. Understanding your rights is the first step in protecting your belongings and taking control of the situation. In the UK, the powers of debt collectors are limited, and knowing the difference between a…
Finding an official-looking letter on your doormat can be worrying, especially if it’s from bailiffs or council tax enforcement officers. Ignoring it won’t make the problem go away. In fact, doing nothing could make the situation worse. This guide explains what triggers bailiff action, your rights if they contact you, and how to stop the…
If you’ve ever found yourself staring at a pile of unopened envelopes or ignoring notifications from your bank, you’re not alone. Many people feel scared to open debt letters, avoid looking at bank statements, or can’t bring themselves to check bills. That fear can build over time, and the longer it goes on, the harder…
If you’ve been told bailiffs may visit your home, acting quickly is essential. In many cases, you can take steps to stop bailiff enforcement before it starts. The sooner you act, the more options you’ll have to protect your belongings and prevent extra fees. This guide explains how to stop bailiffs coming, what your legal…
If you’ve reached a point where paying for groceries feels impossible, you are far from alone. Rising living costs have pushed many households into difficult situations, and for some, the choice between paying bills and buying food has become a reality. It can be upsetting to find your money doesn’t stretch far enough to cover…