Worried that you have been issued with a CCJ? You can find out if you have any CCJs for free online. You may be surprised at the number of UK residents walking around unaware that they have been issued with a CCJ recently. If you have a hunch or just want peace of mind, this

How to set aside a CCJ?  This is a question that gets asked a lot by people who dispute the creditor’s claim or weren’t even aware of their CCJ – and we’re here to provide the key details. This guide will explain how some people can get rid of a CCJ using the correct court

Do you need a payment freeze to make debt payments more manageable or to avoid debts in the first place?  You may be able to get your creditors to agree to freeze all payments on your account while you straighten up your finances. We’ve answered the most asked questions about payment freeze and payment deferral,

If your pay doesn’t support your way of life, even if your living expenses are modest, there are things you can do.  Our latest guide touches on lots of related topics to do with wages in the UK and struggling to make ends meet or pay off ongoing debt. Search for answers to common questions

How can you get into debt on a prepayment meter? And how can you get out of debt in this situation? We discuss everything about these meters designed to help people budget and avoid big bills out of the blue.  From standing charge information to emergency energy, we have it covered! Phone a debt advice

If you have recently lost your job, you might be stressed and anxious about how you will pay your mortgage or rent, council tax, utility bills, groceries and more. It’s completely understandable to feel this way – but what should you do next? This post is dedicated to anyone who has recently lost their job

“What is an administration order?” We’re here to discuss everything about administration orders. From what they are to how long they take, we have answers to the most frequently asked debtor questions. Follow our guide for a breakdown or choose free debt advice from a registered charity for support.  You may need to source free

Can your water be cut off if you cannot afford to pay your bill? We discuss the details of water bills and what water companies cannot do, even when you have water arrears.  Read on to get clear answers to the most asked questions from customers with water utility debts.  Who is liable for a

Who can you call to help with an attachment of earnings order?  In this guide, uncover a free attachment of earnings phone number with people on the end of the line who will provide the best advice and guidance. Or chat to someone online for added convenience.  Read on for the details!  What is an

Have you got a question about a direct earning attachment (DEA)? Our direct earnings attachment order guide explains exactly what one is – and what it’s not (an Attachment of Earnings). And we answer a number of the most frequently asked questions all to do with DEAs.  If you’ve received benefits or tax credits overpayments,

What is an earnings arrestment order in Scotland? This guide is for anyone wanting to know more about having your wages arrested, especially if you were recently served with a charge for payment.  We’ll provide clear answers and discuss some of the options available to you. Let’s get into it… What is an earnings arrestment

How long will you have to pay back your debt through an attachment of earnings order? We discuss the complete process and reveal how long you’ll be forced to pay back the debt.  Read on to find out the details!  Is an attachment of earnings a County Court Judgment? An attachment of earnings is not

How much do you pay back on an attachment of earnings? We discuss the AOE rates in this guide, as well as answer the most asked questions about Attachment of Earnings.  If you have an ongoing debt to the council or have been issued with a CCJ already, you’ll need to know all about these

Do you want to stop a deduction from earnings order?  We discuss if this is possible in this quick and complete guide. Understand more about these orders here – and search for a debt charity for personalised advice and support.  What are deduction from earnings orders? A deduction from earnings order, also called a deduction

“I lost in small claims court but cannot afford to pay” Have you been taken to the small claims court and lost? Are you now facing a judgment to make a payment but cannot afford to do so? If you answered yes to both of these questions, this guide is for you. We discuss what

An attachment of earnings order is a way for creditors to automatically claw back the debt you owe, this is slightly different to a Direct Earnings Attachment (DEA). If you have received notice that your lenders will apply to the court for an attachment to earnings, you need to read this. Discover all the details

If you have been issued with a CCJ and have not paid, and you own property, your creditor may apply to have a charging order restriction placed on your home. Any charging order will be registered at the Land Registry so you would be forced to repay if/when your property is sold.  Understand the finer

Can I give my financed car back? If you are struggling to meet your monthly payments to pay for your vehicle, there may be a solution.  Using UK legislation you can walk away from your car finance agreement and stop having to make monthly payments. We discuss everything you need to know about ending your

If you have failed to pay your rent on an assured shorthold tenancy, you could be taken to court for a possession order. The good news is that you will not be forced out quickly, or maybe at all.  The eviction process is a long and tricky affair with at least five different stages, and

Can I sell my car with outstanding finance on it?  If you’ve been asking yourself this question lately, this guide is for you. We discuss the complete process and your options for selling a car with outstanding finance.  Read on to uncover all the details about selling a car with finance on it – and

Default Notices – What are they and what do they mean? If you have received a Notice of Default, you’re probably feeling a little confused and might be worried.  In this guide, we explain what a default notice really is and what you can do if you have received one.  Fight back against your debts

Are you facing a possible car repossession? This car repossessions guide is all for you! One of the most valuable assets we can own is a car. Not just the inherent value of the car, but what the car allows us to do, such as travel to and from work to put food on the

If you have frequently missed loan and credit cards repayments, you might have an adverse credit history.  Having bad credit may stop lenders from agreeing to give you credit now and in the future. That means it will be difficult to get another loan and maybe even a mortgage.  We explain what adverse credit history

Have you received a Notice of Sums in Arrears and are unsure of what it means for you? If you have received one of these letters, you probably have lots of questions.  We’ve answered the most common questions related to this topic. Make certain of your situation with our key information below!  What is a

You should aim to pay off all the money you owe in the best way you can, but some debt takes priority over others.  In this quick guide, we explain priority and non-priority debts – and the consequences of not paying them off. And if you need more information, money advice charities are always just

“How to pay off overdraft fast” is one of the most searched phrases on the internet among debtors experiencing money problems with their bank.  Learn all about an overdraft limit and debts – and how to clear your overdraft quickly in this guide! And remember that a debt charity can give you further tools and

If I pay my CCJ in full, will my credit rating go up? And will I be able to access more credit or even a mortgage? These are common question among debtors who have cleared their CCJ debt. Uncover the details about CCJs and your credit rating here in this new article.  What is a

Does using or exceeding an overdraft affect your credit score?  That’s the question we’ll be tackling in this guide. And we’ll be answering other important questions to do with overdrafts and your credit report.  Your ability to get future loans, mortgages and other credit hinges on your past finances, so get in the know right

Have you been wondering how to get a default removed from your credit file? If so, this guide is for you.  If you have received a default letter or already have a default on your credit history and want to know what to do now, you’ll find straight-shooting info right here.  What is a default

What does it mean to be an undischarged bankrupt?  This article has been written to explain undischarged bankruptcy and answer the most asked questions to do with discharges and undischarged bankruptcy. Whether you are considering bankruptcy to escape your debts, already have your bankruptcy order or are close to discharge, this page has the details

Will bankruptcy wipe your student loan debt? We answer this question and related questions about bankruptcy and debt, right here.  Whether you are thinking about bankruptcy or have already filed for bankruptcy, we address which debts are and are not going to be wiped at the end of the process.  What is bankruptcy? Bankruptcy is

You might have heard of the County Court Business Centre (CCBC) in Northampton, but do you really know what it is – and what they do? Read this latest article to learn the key details about this centre. And pick up the phone to call a debt advice charity for additional help if you are

Who can enter your property without permission? Very few people have the right to come inside your home – and we have the exact details right here. Scroll on to uncover the rare circumstances that allow others to enter your property and how many hours’ notice they must give in those different situations. Whether you’re

Dealing with creditors and debts can take a toll on your mental health, but there is support available, and you never have to suffer in silence.  But what about when dealing with bailiffs? Is their appropriate respite available for people who are facing enforcement action and have mental health problems? The law says yes! We

High Court enforcement is one way of making sure a CCJ gets paid. If you have a CCJ in your name or are trying to recover payment using High Court Enforcement Officers (HCEO), then this guide is for you.  We explain the High Court enforcement process and what an enforcement agent working for the High

Want to know more about the county court bailiff process when issued with a possession order or warrant for possession?  This guide is for disgruntled landlords and struggling tenants in arrears across England and Wales.  Understand more about county court bailiffs, the rules and the procedure they follow for property evictions here.  What is a

If you are facing court action because of late payment on services and unpaid personal debts, the claimant could make a legal claim for a further sum as interest on the debt.  It boils down to Section 69 of the County Courts Act – or a separate Act for claiming damages in a commercial dispute. 

If you are dealing with bailiffs for unpaid debts, including council tax arrears, you might be wondering if they need a court order and if they can force their way into your home? We answer these common questions and other FAQs to do with court orders and bailiffs, right here. Know your rights when facing

Do you want to know what county court bailiffs can legally charge a debtor for their services? Maybe you have received a CCJ for council tax debts, unpaid personal loans or something else… The costs changed were changed in April 2014 but are fixed in law in England and Wales. Discover county court enforcement agents

Have you ignored a CCJ from the court for council tax debt, loan debt or any other type of arrears?  You might be about to face bailiffs with a warrant. And you’ll have to pay bailiff’s fees too! But does the warrant have to be signed? And if so, does it need to be a

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