Helpful Debt Guides Free PDF Factsheets

  1. Debt help factsheet

    The issue of debt will not just disappear, if you are having troubles paying off your debts, attempt to communicate with your creditors and explain the difficulties rather than let the letters...

  2. CCJ guide factsheet

    If a CCJ has been declared against you, this may well be a reason for a rejected application for credit...

  3. Council tax arrears factsheet

    If there are outstanding payments, you must communicate with your local council on how to repay these debts. It is custom that any arrears are usually repaid within...

  4. Credit guide factsheet

    The majority of credit agreements are enclosed under the act and these are known as regulated agreements. Having a regulated agreement allows certain information to be...

  5. Bankruptcy factsheet

    Bankruptcy is one of the options you can choose if you have a serious debt related issue. There are two ways in which you can receive bankruptcy, one is through an...

  6. Debt Relief Orders (DRO) factsheet

    A Debt Relief Order lends itself typically to those individuals who have limited assets, who are not homeowners and those who obtain a small overall income. A DRO is seen as a more affordable...

  7. How to deal with student loan debts? Factsheet

    Construct a Budget Sheet. List out all your expenditure and income. Time frame you wish to...

  8. Individual voluntary arrangement (IVA) in detail - Factsheet

    A legally binding document between you and your creditors. A method of preventing your creditors from taking extra action against you to retrieve...

  9. How to deal with mortgage shortfalls? Factsheet

    This is most likely due to the fact when the property has been sold; the money acquired has not been enough to pay off any secured loans or the mortgage in full to...

  10. What happens to debt when someone dies? Factsheet

    The Protocol for Debts when someone passes away...

  11. What to do if creditors refuse offers? Factsheet

    It really depends on the creditor, some will accept while others will decline. If your proposal does get declined, then the 'Reconsider my pro-rata offer sample letter' is applicable to see...

  12. Attachment of Earnings IVA - Factsheet

    This is a method your creditors use in order to retrieve the money directly from your earnings. They can only do this if they have a judgment...

  13. Bailiffs and council tax factsheet

    Council Tax and Poll tax is in most cases collected by private firms of bailiffs who work on behalf of the council. The process works of the bailiffs attempting to...

  14. Charging orders in the County Court - Factsheet

    A method of enforcing a county court judgment if you have failed to repay your debt. The CCJ meant you had to pay off the debt by a particular date. The order can be applied for if you...

  15. County court admin order - Factsheet

    An administration order is a formal, legal debt solution which means it's approved by the court and your creditors have to...

  16. How to deal with Hire Purchase debt? Factsheet

    A method of paying for the item in installments and eventually owning the item once the payments have finished. Commonly associated with cars but can now be seen...

  17. Business Debt factsheet

    Most the debts included in this factsheet are based on small businesses and self-employed individuals at the time they stop trading and how to deal with...

  18. CCJ interest charges - Factsheet

    If a creditor is taking action in the county court regarding an ordinary credit agreement, in most cases you are required to pay the total amount owed within...

  19. Creditor payment issues - Factsheet

    When making an offer of payment to the creditors you are likely to receive mixed feedback. Each creditor reacts differently to offers of repayment and it is common some will...

  20. Magistrate court fines - Factsheet

    What does the magistrate court fine for? Driving Offence, Ignoring a fixed...

  21. Limitation act - Factsheet

    The act was set up in 1980. It portrays the rulings over a creditor regarding the length of time in which they can attempt...

  22. Water bill debts - Factsheet

    If you have outstanding debts regarding your water bill, the water companies cannot simply switch off your supply...

  23. Guide on homelessness

    The council has a duty to attempt to accommodate certain people who find themselves homeless...

  24. Setting aside a CCJ factsheet

    If the original claim form was not received due to moving house and the form was sent to the original address. In some cases an error appears...

  25. IVA Information / advice - Factsheet

    Recent research by iva.co.uk has found that despite a high profile court case earlier this year, very few people know that they are entitled to reclaim 6 years worth of penalty charges...

  26. How to repair your credit rating? Factsheet

    The Credit Repair Guide is a 20 page pdf guide that gives an overview of your credit file and how you can repair it. The guide also explains the credit file process and how...

  27. How to get bank charges refunded? Factsheet

    The Bank Charge Refund Guide is a 7 step guide that clearly shows how to reclaim the last 6 years of bank charges. Templates and example letters are also included...

  28. How to get parking fines refunded? Factsheet

    The Parking Fines Refund Guide is a step by step guide that clearly shows how to reclaim parking fines...

  29. How to manage your finances at christmas? Factsheet

    The Budgeting at christmas is a guide that clearly shows how to manage your finances at christmas...