East Herts Citizens Advice Service

East Herts
Citizens Advice Service
08448 489 700
Free - Confidential - Impartial - Independent

Debt: Useful Links & Phone Nos

General Information
Advice on how to tackle your debts	Explanation of financial terms
Options for paying back your debts	Dealing with people you owe money to

Frequently asked questions - CAB	Frequently asked questions - Debtline

Citizens Advice fact sheets	National Debtline fact sheets

Bailiffs	Harassment
Bailiffs and council tax	Can I complain about my lender

Debt relief orders - CAB	IVA - Individual Voluntary Arrangement
Debt relief orders - Debtline	Debt management plan

Getting a copy of your credit agreement and account details	What if a creditor refuses my offer of payment

What happens if you are taken to court for money you owe	Payment protection insurance

Credit reference agencies	How to avoid debt at Christmas
Self Help Packs, Budget Sheets & Sample Letters
Booklet - Dealing with your Debt	How to maximize you income

Self help pack - negotiating with creditors when you have no available income
Self help pack - negotiating with creditors when you have some available income

Budgeting Tools / Financial Statement	Budget sheet

Sample debt letters - CAB	Sample letters - Debtline
Sample complaint letter for payment protection insurance
Bankruptcy
Bankruptcy - CAB	Bankruptcy - Debtline
Guide to Bankruptcy - Insolvency Service	How to petition for your own bankruptcy

Information about you bank account when you go bankrupt
Information about your home when you go bankrupt

What happens when you are interviewed by the official receiver
Bankruptcy restriction orders
Information for Creditors
A guide for creditors

Organisations
National Debtline	0808 808 4000 Fax: 0121 410 6230

Consumer Credit Counselling Service	0800 138 1111

The Insolvency Service	0845 602 9848

Payplan	0800 280 2816

Legal Services Commission Debt Line	08453 454345

Business Debtline	0800 197 6026

Business Link	0845 600 9006
Types of Debt
Business debt	Mortgage arrears

Catalogue debts	Mortgage shortfalls

Child support and maintenance arrears	Negative equity

Council tax arrears	Parking penalties

Court fines	Prisoners and debt

Debts after someone dies	Rent arrears

Gas and electricity arrears	Student debt

Hire purchase debt	Water rate arrears and water trust funds

Income tax arrears
Legal Matters
Administration orders	How to set aside a judgement in the County Court

Attachment of earnings	Interest charges after a judgement

Charging orders	Liability for debt and the limitation act

Time orders	Magistrate Court fines

Dealing with a statutory demand	Reducing payments or suspending a bailiffs warrant on a County Court judgement

Dealing with debts in the High Court	Replying to a County Court claim form

Full and final settlements