Know Your Rights UK
Debt Advice

Debt, Know Your Rights and Your Options

Debt problems feel overwhelming, but creditors and enforcement agents have strict rules they must follow. Understanding your rights can stop illegal collection tactics, buy you time, and open up routes to a sustainable solution.

Get debt advice
📊
Dealing with Debt
First steps when debt is becoming unmanageable, priority vs non-priority, what to do first.
📈
Credit Scores Explained
How credit scores really work, the three agencies, what affects them, and the myths to ignore.
⬆️
Improve Your Credit Score
Practical, free steps that genuinely help, and the credit-repair traps to avoid.
🗂️
Your Credit Report
Check all three agencies free, what's on it, how long entries stay, and how to fix errors.
🏠
Mortgage Arrears
Behind on your mortgage? Your rights, the options to ask for, and how to avoid repossession.
🚫
Bailiffs
What bailiffs can and cannot do, your rights when they call, and how to stop enforcement action.
📬
Debt Collectors
Debt collectors vs bailiffs, what collectors can do, doorstep visits, and how to stop harassment.
⚖️
County Court Judgments (CCJ)
What happens when a creditor takes you to court, how to respond, and how to get a CCJ set aside.
⏰
Statute Barred Debt
When a debt is too old to be taken to court, the 6-year rule and what resets the clock.
📑
Individual Voluntary Arrangement (IVA)
How an IVA works, what it costs, pros and cons, and when bankruptcy is a better option.
📋
Bankruptcy
How bankruptcy works, what you lose, what you keep, and alternatives to consider first.
🛡️
Breathing Space (England & Wales)
A 60-day pause on interest, charges and enforcement while you get debt advice.
🕊️
Debt and Death
What happens to debt when someone dies, and whether family members are responsible.
✅
Debt Relief Order (DRO)
Write off up to ÂŁ50,000 of debt in 12 months if you have low income and few assets. Free to apply.
🏴󠁧󠁢󠁳󠁣󠁴󠁿
Debt Arrangement Scheme (Scotland)
Scotland's DAS, a formal plan to repay debts at an affordable rate without sequestration.
💼
Sole Trader Debt
Personal liability for business debts, protecting your home, HMRC Time to Pay, and your options.

Struggling with debt right now?

Start your case and we'll help you work out what type of debt you have, what stage enforcement is at, and the best route forward.

Chat with Advisor, it's free