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Dealing with Debt
First steps when debt is becoming unmanageable â priority vs non-priority, what to do first.
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Bailiffs
What bailiffs can and cannot do, your rights when they call, and how to stop enforcement action.
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County Court Judgments (CCJ)
What happens when a creditor takes you to court, how to respond, and how to get a CCJ set aside.
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Bankruptcy
How bankruptcy works, what you lose, what you keep, and alternatives to consider first.
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Breathing Space (England & Wales)
A 60-day pause on interest, charges and enforcement while you get debt advice.
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Debt Arrangement Scheme (Scotland)
Scotland's DAS â a formal plan to repay debts at an affordable rate without sequestration.
Struggling with debt right now?
Ash can help you work out what type of debt you have, what stage enforcement is at, and the best route forward for your situation.
Talk to Ash â it's free