Money and debt

Debt help, cost of living support and savings

• Can I get a Debt Relief Order?Can you get a Debt Relief Order? Debts under £50,000, spare income under £75 a month, the 12-month term and the restrictions. From GOV.UK.
• Can I get help paying my water bill?WaterSure scheme explained: bill caps for metered homes, who qualifies, the 2027 changes, Water Direct and help in Scotland. From Ofwat and GOV.UK.
• How do I apply for bankruptcy?How to apply for bankruptcy in England and Wales: options to check first, the £680 fee, the steps and what happens next. From GOV.UK.
• How do I report a loan shark?How to report a loan shark anonymously, and how to check if a lender is authorised on the FCA register before you borrow. From official GOV.UK guidance.
• What are my options if I'm in debt?Debt help in England and Wales: the main options compared, from Breathing Space and Debt Management Plans to IVAs, DROs and bankruptcy. From GOV.UK.
• What can bailiffs do when they visit?Your rights when council tax bailiffs visit: 14 days' notice, no visits between 9pm and 6am, entry rules and what they cannot take. From GOV.UK.
• What happens if I get a CCJ?What a county court judgment means, why paying within one month removes it, how long it stays on record and how to change the terms. From GOV.UK.
• What is Breathing Space?How the Breathing Space debt scheme works in England and Wales: 60 days' protection, the mental health crisis version and how to apply. From GOV.UK.