Debt Help
Bankruptcy is an option that is available if you simply see no method of being able to pay your existing debt and you have explored Debt Management and an IVA options already.

Bankruptcy is a legal status that normally will last 1 year – your non-essential assets and excess income will be used to pay the companies that you owe money to.

You can declare yourself bankrupt (complete our form and we can help) or your creditors can declare you bankrupt.

Once the bankruptcy period has ended you will be issued with a bankruptcy discharge certificate and your credit record can be updated accordingly.






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More information about debt management and advice:


Write off all the debt you cannot afford and avoid legal action. Government legislation that helps you clear your debt in 60 months.
Lower your monthly payments on your existing debt with one affordable monthly payment plan. Hassle free and flexible plans for if your situation changes.
Bankruptcy is a consideration if you simply cannot pay debts that you owe and you have already considered Debt Management and an IVA.
A Trust Deed is a legal process only available to residents in Scotland and offers an alternative to bankruptcy.
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