Debt advice and guidance

How to get help on critical issues. Follow the quick links for further information.


Debt is an amount owed to a person or organisation for money borrowed. Debt can be represented by a bank loan, payday loan, credit card, mortgage, rental agreement, hire purchase or any other form stating repayment terms and, if applicable, interest requirements. These different forms of borrowing all imply intent to pay back an amount owed by a specific date, which is set forth in the repayment terms.

In this section you will find information about debt and how you can deal with problems that arise from owing money that you cannot afford to pay back.

Each question links to an external site, which may be able to answer your question. Some may be links to Adobe Acrobat PDF files. If you cannot read these files, you may have to download the free Adobe reader.


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