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Debt Management Plans: How They Work, Costs and Risks

Scott Nelson

May 20, 2022

A Debt Management Plan can help you repay eligible non-priority debts at an affordable rate. Learn how DMPs work, their costs and risks, and where to find free debt advice and fee-free plans.

Catalogue debt: payments, arrears and your options

Scott Nelson

May 20, 2022

Understand catalogue credit, persistent debt, payment support and the court process if a balance remains unpaid.

JD Williams Debt – All You Need to Know

Scott Nelson

May 18, 2022

You should repay your JD Williams debt as soon as possible. If you can’t pay, contact JD Williams immediately to arrange a feasible repayment plan. Let me walk you through the process…

Very Debt – All You Need to Know

Scott Nelson

May 16, 2022

You should repay your Very debt as soon as possible. If you can’t pay, contact Very immediately to arrange a feasible repayment plan. Let me walk you through the process…

How to Pay Off Catalogue Debt?

Scott Nelson

March 14, 2022

You can pay off catalogue debt in several different ways. For example, you could make an informal agreement with the catalogue, consolidate your debts, or pay a reduced lump sum settlement. Let me explain your options...

Debt Repayment Tracker: Spreadsheet and Planning Guide

Scott Nelson

March 23, 2021

Use a repayment tracker to organise balances and payments, understand its assumptions and prioritise essential costs and urgent debts.

HMRC debt collection: checking a demand and payment options

Scott Nelson

February 27, 2021

Check an HMRC demand and the tax liability, then seek a review, appeal or affordable payment arrangement where appropriate. HMRC has several enforcement powers and procedures.

Can Credit Card Debt Be Written Off? Options and Consequences

Scott Nelson

February 01, 2021

Explore when credit-card debt may be released through a DRO, bankruptcy, an IVA or an agreed settlement, and why an old debt is not automatically written off.

Can debt collectors see your bank balance? Information requests explained

Scott Nelson

October 10, 2020

An ordinary collector has no unrestricted access to your bank balance. A creditor may request information, while a court order after judgment can require specific disclosure. These are different powers.

Trace Debt Recovery: Parking Charges, Court Claims and Your Rights

Scott Nelson

September 23, 2020

Not everyone will need to pay Trace Debt Recovery. But, it’s important that you don’t ignore them as further enforcement action may be taken. Let me walk you through your options…