If you’re struggling with debt in the UK, you’re not alone. 2025 has seen a surge in households falling behind on credit cards, council tax, rent, and other bills — but there is help available. Whether you’ve missed a few payments or are in serious arrears, you may be eligible for a government-backed solution to reduce or write off your debts.
This page explains your options, how to stop interest and enforcement, and how to get started with free, confidential support.
Check If You QualifyIf you're in the UK and are:
— then you may qualify for a formal debt solution like an IVA (Individual Voluntary Arrangement), a Debt Management Plan, or a Debt Relief Order (DRO).
You can often include a wide range of debts in your plan, such as:
Not sure what you can include? Try our Free Debt Calculator.