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Path: /home2/outerorb/debtclearplans.co.uk/types-of-debt.php
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$page_title = "Types of Debt We Help With - DebtClearPlans";
$page_description = "Understand the main UK debt types, which debts are priority, and which debt solutions may apply based on your circumstances.";
include "includes/header.php";
?>
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<h1>Types of Debt We Help With</h1>
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<p style="font-size:18px;color:#3c4f54;max-width:760px;margin:0 auto;">Different debts need different action. We help you identify what is urgent, what can be negotiated, and which debt solution may fit your budget.</p>
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<a href="index.php">Home <i class="fa-solid fa-angle-right"></i> <span>Debt Types</span></a>
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<h2 class="text-anime-style-3" style="color:var(--ztc-text-text-5);font-size:32px;line-height:42px;">Start with the right debt priority</h2>
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<p>Many people focus on the loudest creditor first, but the best approach is to separate debts into priority and non-priority categories. This protects your home, essential services, and income while a long-term plan is arranged.</p>
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<p>DebtClearPlans is an introducer service. We connect you with regulated debt advisers and providers who can review your full circumstances and recommend suitable options.</p>
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<h3 style="font-size:20px;color:var(--ztc-text-text-5);margin-bottom:14px;">Quick triage checklist</h3>
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<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.08);"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>List all debts and monthly payments</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.08);"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Mark priority debts first</li>
<li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.08);"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Protect rent, mortgage, council tax, utilities</li>
<li style="padding:8px 0;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Get regulated advice before choosing a solution</li>
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<h2 style="font-size:26px;line-height:34px;color:#8f2f2f;margin-bottom:10px;">Priority debts: act on these first</h2>
<p style="margin:0;color:#7b3b3b;">Priority debts carry the highest risk if ignored, such as losing your home, bailiff action, court enforcement, or disconnection of essential services.</p>
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<h3 style="font-size:18px;margin-bottom:8px;">Rent or mortgage arrears</h3>
<p>Home-related arrears should be addressed quickly to reduce eviction or repossession risk.</p>
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<h3 style="font-size:18px;margin-bottom:8px;">Council tax arrears</h3>
<p>Council tax can escalate to enforcement action and should be included in your urgent budget plan.</p>
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<h3 style="font-size:18px;margin-bottom:8px;">Gas and electricity arrears</h3>
<p>Utility debts can affect your access to essential services and should be treated as priority.</p>
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<h3 style="font-size:18px;margin-bottom:8px;">Tax and HMRC debt</h3>
<p>Tax arrears often need early engagement and realistic repayment proposals.</p>
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<h2 class="text-anime-style-3">Common unsecured debts we can help with</h2>
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<p style="max-width:900px;margin:0 auto;">These debts are often included in debt solutions, depending on your affordability, region, and eligibility.</p>
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<h3 style="font-size:18px;margin-bottom:10px;">Credit cards</h3>
<p>Often included in IVA, DMP, DRO, and bankruptcy.</p>
<a class="readmore" href="compare-debt-solutions.php">Compare options <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Personal loans</h3>
<p>Unsecured loans can often be consolidated into one affordable plan.</p>
<a class="readmore" href="debt-management-plan.php">View DMP <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Overdrafts</h3>
<p>Bank overdrafts are usually unsecured and may be included in formal or informal plans.</p>
<a class="readmore" href="iva.php">View IVA <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Payday loans</h3>
<p>High-cost short-term debt can be difficult to sustain and needs urgent review.</p>
<a class="readmore" href="debt-relief-order.php">View DRO <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Catalogues and store cards</h3>
<p>Frequent rolling balances can usually be treated as unsecured debt.</p>
<a class="readmore" href="debt-management-plan.php">View DMP <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Benefit overpayments</h3>
<p>Treatment depends on the overpayment type and recovery terms.</p>
<a class="readmore" href="compare-debt-solutions.php">Check suitability <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Bailiff-enforced debt</h3>
<p>Action may be urgent. Early advice can help protect essential household items.</p>
<a class="readmore" href="bankruptcy.php">View bankruptcy info <i class="fa-solid fa-arrow-right"></i></a>
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<h3 style="font-size:18px;margin-bottom:10px;">Mixed debt situations</h3>
<p>Most households have a mix of priority and unsecured debts. A full review is best.</p>
<a class="readmore" href="#callback-form-top">Request callback <i class="fa-solid fa-arrow-right"></i></a>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:24px;text-align:center;">Frequently asked questions</h2>
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<h2 class="accordion-header"><button class="accordion-button" type="button" data-bs-toggle="collapse" data-bs-target="#debtFaq1" aria-expanded="true" aria-controls="debtFaq1">Are all debts included in debt solutions?</button></h2>
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<div class="accordion-body"><p>No. Some debts can be included and others cannot, depending on the solution. For example, secured borrowing is treated differently to unsecured debts.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#debtFaq2" aria-expanded="false" aria-controls="debtFaq2">What is the difference between priority and non-priority debt?</button></h2>
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<div class="accordion-body"><p>Priority debts carry more serious consequences if missed, such as losing your home or essential services. Non-priority debts are still important but usually have lower immediate risk.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#debtFaq3" aria-expanded="false" aria-controls="debtFaq3">Can I get help if I have multiple debt types?</button></h2>
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<div class="accordion-body"><p>Yes. Most people do. Advisers review your full debt mix, income, and household costs before recommending next steps.</p></div>
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<h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#debtFaq4" aria-expanded="false" aria-controls="debtFaq4">Will asking for help affect my credit score?</button></h2>
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<div class="accordion-body"><p>No. Asking for guidance or requesting a callback does not affect your credit score. Credit impact depends on the solution chosen and your existing credit profile.</p></div>
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<h3 style="font-size:24px;color:var(--ztc-text-text-5);margin-bottom:12px;">Get a debt review tailored to your debt mix</h3>
<p>Tell us what debts you have, and we will connect you with a regulated provider who can explain your suitable options clearly.</p>
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<a href="#callback-form-top" class="vl-btn1">Get My Free Callback</a>
<a href="compare-debt-solutions.php" class="vl-btn1 btn2" style="margin-left:16px;">Compare Debt Solutions</a>
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