Debt Camel

Answers to questions about debts and credit ratings - in plain English!

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Site map

  • Home page
  • How to use Debt Camel
  • Do you owe the money? You may be worried about debts that aren’t yours – letter about debts you haven’t heard of etc
  • Priority and non-priority debts It’s more important to pay your council tax than a catalogue – find out how to tell which of your debts need to be treated as “priorities” and why.
  • A roadmap of debt solutions gives an easy visual picture of which debt solutions could work for you
    • A Guide to Snowballing
    • A Guide to Debt Management Everything you need to know about Debt Management to work out if it is right for you and looking at problems that can happen when you are in a DMP
      • What is a Debt Management Plan (DMP)? A one-page summary.
    • A Guide to IVAs  An organised directory to all the articles about IVAs so you can quickly find the one you need, whether you are thinking about an IVA or having problems in/at the end of one.
      • Introduction to Individual Voluntary Arrangements (IVA) A one-page summary that is a good starting point if you are considering an IVA.
    • A Guide to DROs A comprehensive guide to what is often the “best” (simplest, cheapest, fastest) form of insolvency.
      • Debt Relief Order (DRO) A one-page overview.
    • A Guide to Bankruptcy This comprehensive resource addresses the major concerns people usually have when considering bankruptcy and problems that can during bankruptcy.
      • The Big Questions (house, job, etc)
      • How to go bankrupt including how to complete the new online application
      • What happens after you go bankrupt monthly payments, discharge, etc
  •  Hard decisions – choosing between debt solutions Sometimes it’s very clear which debt solution you need, but often you need to compare the alternatives.
    • How far to cut back?
    • Long-term snowballing or shorter DMP?
    • DMP or IVA?
    • long-term DMP or bankruptcy?
    • IVA or bankruptcy?
    • Selling your house
  • Worried about debt? Apart from the main debt solutions, you may have concerns about a specific aspect of debt:
    • CCJs
    • Payday loans  this includes links to the main “Payday loan compensation” page and other resources to help you get a refund for interest and charges you have paid.
    • Pensions and debt
    • Mortgages and debt
    • Credit ratings – including problems about “old debts”
  • A tool kit of ways to improve your finances Big changes could transform your life, but even small changes could make a useful difference.
    • Ways to reduce your expenditure
    • Ideas to increase your income
    • Cut the interest you are paying
    • Selling things
  • More information
    • Where to get debt help and advice
    • Where NOT to get debt help and advice
    • Getting through “the slog”
  • Blog posts  with over 200 blog posts, the best way to search them is by theme – look at the “Guides” to the various debt solutions, or click on the “tags” at the bottom of a post. Or use the Search box below!
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Recent articles

  • Debt news – 14 August 2022
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