Debt management - what if I'm retired?

Debt problems can happen later in life, but thankfully there is no age restriction on debt help.

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Can I use debt consolidation to clear my overdraft?

Debt consolidation can clear more than one overdraft at the same time, but it's only an option for people who can afford the repayments.

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Debt management plan and DRO: how are they different?

Whether a DRO (Debt Relief Order) or a debt management plan is suitable for you depends on what situation you're in with your unsecured debts - and your overall financial circumstances.

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What is a CCJ? (County Court Judgment)

: A County Court Judgment (CCJ) is a judgment from the County Court, telling you to repay a debt.

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How to budget on a debt management plan

We'll talk you through the basics of drawing up your own budget and then suggest ways you could save money, or make your money go further, on a debt management plan.

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What solutions are available?

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Please remember, the form above is just an information tool. One of our advisors will be in touch to answer any questions you may have and offer you more personalised advice on how to resolve your debt problems.
About us

We've been helping people get out of debt for almost 20 years. Read more about what we do and the charities we support.

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Fees & key info

Read more about the fees involved with each of the solutions we provide.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Conditions Apply. Repaying your debt over a longer period of time can increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and may also be affected in the medium to long term. Fees are payable when continuing service is provided.
Our awards

Every month we help 1000s of people to get out of debt. We are proud of the service we provide and of the awards we've received.

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