ARTICLES

Every debt topic, written plainly.

13 articles UK English Updated monthly

Deep-dives on the concepts, letters, credit-file mechanics and legal moves behind UK debt. Written for real people, not clients of a service. Read them in order or dip in to what you need.

Debt Solutions

2 pieces
Debt Solutions

Bankruptcy UK · Rules, Risks and Options

Bankruptcy can write off many debts, but it affects your home, car, bank account, job and credit file. Learn the £680 fee, the 12 month process, what is not written off, and which alternatives to compare first.
Debt Solutions

Before You Sign an IVA · Risks and Options

Thinking about an IVA? Learn the hidden risks, fees, credit impact, public register, failure risks and alternative UK debt options to consider first.

Statute Barred and Old Debt

1 piece
Statute Barred and Old Debt

Statute Barred Debt UK · How to Check If Yours Qualifies

An old debt letter is not always an enforceable debt. Learn what statute barred means, the six-year and five-year rules, what restarts the clock, and what to check before you reply or pay.

Money Habits

1 piece
Money Habits

How to Control Your Spending · UK Debt Guide 2026

Struggling to stop spending? Learn how to control spending, spot social pressure, protect priority bills and break the UK debt cycle.

Debt Collectors

2 pieces
Debt Collectors

Why Debt Collectors Settle for Less UK · Explained

Why does a debt collector offer to accept less than the balance? What happens to a debt after default, why a lower figure can suit the other side, and what to check before you respond.
Debt Collectors

Partial Settlement UK · What to Check Before You Say Yes

Got a partial settlement offer from a creditor or debt collector? Learn what to check, what to get in writing and when to pause before paying.

Homeowners

2 pieces
Homeowners

Charging Orders UK · How to Stop One

Worried about a debt being secured on your home? Learn how charging orders work in the UK, the 28-day objection window, what a final order means, and when an order for sale is possible.
Homeowners

Order for Sale UK · Can You Stop It

A charging order is not the same as an order for sale. Learn how the second court claim works, the 14 day acknowledgement deadline, what the court weighs up, and how to reduce the risk.

Borrowing

1 piece
Borrowing

Debt Consolidation Loans UK: Pros, Cons & Risks

What a debt consolidation loan really does to your debts, the FCA rules on affordability and representative APR, credit file impact, and what to check before you sign.

Credit Cards

1 piece
Credit Cards

0% Balance Transfer UK · Will It Solve Your Debt?

A 0% balance transfer pauses interest, not debt. Learn how UK offers work, what the fee really costs, why offers end early, and what to check before moving debt.

Creditor Letters

1 piece
Creditor Letters

Income and Expenditure Form UK · Your Rights 2026 | The Real Debt Guy

Do you have to fill in an income and expenditure form for a creditor or debt collector? Learn when it helps, what to include, and how to protect your budget.

Credit Rating

1 piece
Credit Rating

Partial Settlement UK · Credit Score Impact 2026

Will a partial settlement hurt your UK credit score? Learn how partially settled debts show on your credit file, how long they stay, and what to check before you pay.

Debt Management

1 piece
Debt Management

UK Token Payments · 8 Steps to Manage Debt Repayments

Struggling to pay unsecured debts? Learn how UK token payments work, when to use them, how to calculate an affordable offer, and how to write to creditors.

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