Council tax is a priority bill in the UK, which means it should be paid before most other debts. Missing a payment might seem like a small slip, but the consequences can escalate quickly. If you’re dealing with unpaid council tax in the UK, it’s important to understand the process, the potential penalties, and what…
When money is tight, it’s natural to feel unsure about which bills to pay first. Not all debts have the same consequences if you miss payments, so knowing the difference between priority vs non-priority debt is essential. In this guide, we’ll explain the key terms, outline the types of debt UK households commonly face, 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…
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 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…
Receiving a court letter for unpaid debt can be worrying – especially if you’re unsure what it means or what you’re expected to do. If you’ve been sent a CCJ letter in the UK or another official notice, it’s important to act quickly. Ignoring a debt letter from court can make things worse, but the…
If you’ve been contacted by a debt collector, it’s natural to feel uneasy. Whether they’ve called, sent a letter, or even visited your home, it’s important to know that you have rights and options when dealing with them. This guide explains how to stop debt collectors from acting outside the rules, how to respond confidently,…
Being contacted by a debt collector can be overwhelming, but it’s important to know that you have rights. Whether you’re receiving constant letters, phone calls or home visits, there are rules about how and when a debt collector can get in touch with you. This guide explains your legal rights, what debt collectors can and…
Finding yourself in debt can feel overwhelming – especially when there are so many options to choose from. If you’re wondering which debt solution is right for you, this tool-style guide is here to help. We’ve broken down some of the most common debt situations and matched them to possible solutions to consider. Everyone’s circumstances…
When your monthly outgoings are bigger than the money coming in, it can feel like you’re stuck in a hole you can’t climb out of. Rising living costs mean more households are facing this problem, and it’s not always easy to know what to do first. In this guide, we’ll help you spot the warning…
If you’re worried about money but aren’t sure exactly how much you owe, you’re not alone. Many people lose track of their debts over time. This can happen if you’ve had multiple loans or credit cards, moved house, or simply avoided dealing with letters from lenders. But the fact is, knowing the full picture is…