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Debt solutions

There’s more than one way to deal with debt. Pick one to see what it could do for you, how it works and what to weigh up.

General information, not advice about your situation. The right option depends on your income, what you owe, what you own and where you live.

Time and informal options

No court or formal agreement, so they’re flexible. The people you owe can say no.

Formal options in England, Wales and Northern Ireland

Legal processes that can bind your creditors, with effects that last longer.

Options in Scotland

Scotland has its own debt law, so the options and names differ.

Priority and non-priority debts

Debts aren’t all equal. The difference can decide which to deal with first.

Priority debts

The most serious consequences if you don’t pay, like losing your home or energy supply. They usually come first.

  • Rent and mortgage
  • Council tax
  • Energy and water
  • Some tax and benefit debts
  • Court fines and child maintenance

Non-priority debts

These can still lead to court action, but usually less immediately. They’re usually dealt with after priority debts.

  • Credit cards
  • Personal loans and overdrafts
  • Buy now, pay later
  • Store and catalogue accounts
  • Many old phone debts

A debt’s type can depend on your situation. Car finance may be a priority debt if you need the car for work.

Free, impartial advice is available elsewhere

You don’t have to use us. MoneyHelper, StepChange and National Debtline give free, impartial debt advice.

Want to talk it through?

Answer a few questions and an adviser from one of our partner debt firms can call you. There’s no obligation to go ahead.