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Help & advice

Useful debt management articles

Here are some helpful tips and advice to help you manage your debts. If you’re worried about your debts and want to know more about the range of solutions on offer, these articles could help.

I can't pay the bills!

A debt management plan can help people stay on top of their bills - by cutting the monthly expense of repaying their unsecured debts.

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How to improve your credit rating

Your credit rating can have a real impact on your ability to access further credit. How can you improve it? Some ideas...

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What is a Trust Deed?

A Trust Deed is a Scottish debt solution designed to help struggling borrowers with a significant amount of unsecured debt they can't afford to repay.

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Debt management: what you need to know

Agreeing a debt management plan could give you a clear way out of unsecured debt - with reduced, affordable payments every month. Here's what you need to know.

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A quick guide to debt consolidation loans

Taking out a debt consolidation loan could help to simplify your unsecured debts and make them easier to keep on top of. Here's a quick guide to how a debt consolidation loan works.

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Thinking about an IVA

An IVA (Individual Voluntary Arrangement) is a debt solution designed to help people seriously struggling to repay their unsecured debts - and could be a preferable alternative to bankruptcy.

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Making the most of your budget

Our guide to making the most of your budget looks at four main areas - home, food, utilities and debt - and suggests ways to save money.

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