Financial Guides
Plain-English explanations of financial situations, your rights, and practical steps. Each guide links to relevant tools you can use.
What happens if you miss credit card payments
Understand the stages from missed payment to default, and what options you may have at each stage.
What happens if you miss council tax payments
Council tax is a priority debt. Learn about the collection process and how to arrange a payment plan.
Debt collectors vs bailiffs — knowing the difference
Understand the difference between debt collection agencies and enforcement agents, and your rights with each.
How to negotiate with creditors
Practical guidance on approaching creditors about payment plans, reduced payments, and freezing interest.
Understanding priority and non-priority debts
Some debts have more serious consequences than others. Learn which to address first and why.
Your rights when dealing with energy providers
Energy providers have obligations to help customers in hardship. Understand what support is available.
Can you write off council tax debt?
Understand when council tax debt can be reduced, written off, or managed through formal schemes like a DRO or bankruptcy.
IVA vs DMP — which debt solution is right?
Compare Individual Voluntary Arrangements and Debt Management Plans, including costs, timelines, and impact on your credit.
Your rights when bailiffs visit
Know what bailiffs can and cannot do, when they need a warrant, and how to challenge enforcement action.