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- - Debt Management Plan (DMP)
    - Belfast based firm
      
      Lower your monthly payments
      
      Write off a proportion of your debt
      
      Established over 25 years
    - call us on
      0800 470 046
      or
      028 2132 6269
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  - Individual Voluntary Arrangement (IVA)
    - Belfast based firm
      
      Lower your monthly payments
      
      Write off a proportion of your debt
      
      Established over 25 years
    - call us on
      0800 470 046
      or
      028 2132 6269
    - Close
  - Bankruptcy
    - Belfast based firm
      
      Lower your monthly payments
      
      Write off a proportion of your debt
      
      Established over 25 years
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      0800 470 046
      or
      028 2132 6269
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Keeping informed about your personal debt options and rights is important. See below for the latest news and views from the NIDS team

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Northern Ireland Debt Solutions > Articles

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Featured Articles

How can you get out of negative equity?

5th August 2019

*Please note we are not mortgage advisers. We do not provide mortgages. If you are looking to remortgage please contact […]

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FREE and Cheap Christmas Events for Children, Families, and Individuals across Northern Ireland 2018

16th November 2018

Get that festive feeling for less by checking out our top picks of the budget-friendly Christmas events happening across Northern […]

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The importance of obtaining regulated debt advice

18th September 2018

Unfortunately not all companies who claim to be able to help you with your debt problems have your best interests […]

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Nearest foodbanks in Northern Ireland

23rd May 2018

It is estimated that 1 in 5 people in Northern Ireland live below the poverty line. As a result an […]

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Can I get a mortgage after bankruptcy?

16th May 2018

*Please note we help people with mortgage arrears, we do not provide mortgages* If you are considering declaring bankruptcy […]

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What is the Enforcement of Judgments Office (EJO) in Northern Ireland?

15th May 2018

Northern Ireland has a unique system for ensuring compliance with court orders. If the civil courts in Northern Ireland issue […]

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More Articles

Can my partner’s debt affect me?

One of the most common worries that people face when thinking about their finances is whether being in a relationship […]

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What happens if I get an inheritance while in an IVA?

In Northern Ireland if you are in an Individual Voluntary Arrangement (IVA) and you receive an inheritance or other windfall, […]

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How to get a Debt Relief Order in Northern Ireland

If you live in Northern Ireland and are struggling with problem debts you may be considering applying for a Debt […]

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5 simple steps to rebuilding your credit score

If you have had debt problems such as payment defaults, or have entered into a debt solution such as a […]

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Can you write off debt or is this too good to be true?

If you are among one of the thousands of residents of Northern Ireland that struggle with problem debts every year, […]

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What is an Administration Order?

If you live in Northern Ireland and are struggling with problem debts then you may be considering entering into an […]

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What is the minimum amount of debt I need to have to qualify for an IVA?

If you have problem debts in Northern Ireland then you may be considering what type of debt solution is right […]

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What Happens To My Credit Report If I Change My Name?

There are many reasons why you might change your name; getting married, joining a new family, after a divorce, changing […]

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What is an Attachment of Earnings Order?

In Northern Ireland if you have a loan or other debt which you are failing to keep up repayments on, […]

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Can A Debt Management Plan Help Me With All My Debts?

A Debt Management Plan in Northern Ireland is an informal arrangement that can help you to manage your problem debts. […]

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Can Interest and Charges Be Frozen in a Debt Management Plan?

In Northern Ireland a Debt Management Plan (DMP) can be used to help you to manage your problem debts. Here […]

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Who Checks My Credit Report and What Affect Does It Have?

As the name suggests your credit report is the resource that lenders and other agencies will turn to when they […]

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What Should I Do If I’ve Fallen Behind With My Household Bills?

2017 saw the total value of debt judgments in Northern Ireland reaching almost £6 million, an increase of 85% from […]

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What Happens At The End Of My IVA?

So you’ve finally reached the end of your IVA. After five or six years of making payments, your debt is […]

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How Do Credit Reports Work For Individuals?

In Northern Ireland and across the rest of the UK, there are three main credit reference agencies, Experian, Equifax and […]

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7 Ways to Deal With Aggressive Debt Collectors

If you have fallen behind with your debt repayments, then chances are that your creditors will contact you and try […]

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Which Creditors Should Be Paid First When Repaying Personal Debts?

Chances are that you will have several different bills that need to be paid each month, but your circumstances may […]

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How might bankruptcy affect your job or career?

Opting to declare yourself bankrupt is a huge step to take and it is not a decision to be taken […]

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How to tackle your debts if you overspent this Christmas

We all look forward to Christmas and the chance to spend quality time and swap gifts with our loved ones. […]

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How to budget and take control of your debts in 2018

The New Year is a time for fresh starts and positive thoughts for the year ahead. New Years’ resolutions often […]

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What is a time order?

If you’ve fallen behind with repayments on a debt that is regulated by the Consumer Credit Act, 1974, you may […]

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What are the options for repaying my energy debt?

If you’ve fallen into debt with your energy supplier, it’s advisable to contact them as soon as possible. They have […]

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What does it mean if a debt is unenforceable?

A debt is unenforceable when the creditor is no longer able to take legal action to recover it, due to […]

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If I begin a debt-management plan, can creditors still take court action against me?

If you’re unable to meet repayments on a loan or credit agreement, you may be considering a debt management plan […]

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A debt collection agency (DCA) has threatened to take court action against me. What can I do?

If your creditor has passed recovery of a debt to a debt collection agency, and court action has been threatened, […]

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Tips for negotiating with creditors and avoiding formal debt arrangements

If you’re struggling to repay your creditors, informal negotiations could help you avoid having to enter an official debt procedure […]

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What is the difference between bankruptcy and an individual voluntary arrangement (IVA)?

When you’re dealing with serious levels of debt, it’s natural to consider declaring bankruptcy as a way to escape a […]

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Can I get a mortgage with a poor credit score?

*Please note we help people with mortgage arrears, we do not provide mortgages* Although a poor credit score does […]

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How does a debt management plan work?

A debt management plan (DMP) is an agreement between you and your creditors to pay back the money you owe, […]

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FREE and Cheap Christmas Events for Children and Families in Northern Ireland 2017

BELFAST Christmas Market When and Where: Belfast City Hall, 18 November – 23 December Cost: Free For the thirteenth year […]

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What are the fees for an IVA?

An Individual Voluntary Arrangement (IVA) is a legally-binding agreement that helps people in significant debt to become debt-free over a […]

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What happens if my IVA fails?

An IVA can fail for a number of reasons, and if you’re unable to make the required repayments you should […]

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What are the pros and cons of an IVA?

An Individual Voluntary Arrangement, or IVA, is a commonly-used formal debt solution that helps people escape unmanageable debt. It usually […]

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Statute barred debt: Can creditors chase me for historic debts?

When a debt becomes statute barred, it means the creditor can no longer recoup their money through the courts. The […]

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What is a full and final settlement offer?

If you owe considerable unsecured debt and want to prevent further financial decline, making a full and final settlement offer […]

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Someone I live with has debts, will this affect me?

When a lender credit-checks a potential customer, it’s the individual who is checked rather than their address. So if a […]

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If I go bankrupt, will I lose my home?

Bankruptcy is seen as a last resort for people with unmanageable debt. It can represent a new start without the […]

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If I go bankrupt, will I have to pay anything towards my debts?

If you enter bankruptcy, you may need to pay a monthly amount from any surplus income that you earn, in […]

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How will a county-court judgment (CCJ) affect my credit rating?

When a county court judgment is made against you, details appear on the Register of Judgments, Orders and Fines – […]

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Can I get a consolidation loan to deal with my debts?

A consolidation loan allows you to combine a number of loans, overdrafts, store cards or credit card debt into one […]

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Can a debt collection agency or bailiff force entry to my premises?

If you’re unable to repay a debt, your creditor may enlist the services of a debt collection agency to help […]

Read more

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By allowing parents to share parental leave, you can better plan childcare to ensure that one parent is always avai… https://t.co/BimvJ2nwoy

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Personal debt advice for Northern Ireland residents. Helping thousands of individuals since 2010.
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Personal debt advice for Northern Ireland residents. Helping thousands of individuals since 2010.
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Home
Debt Options
- - Debt Management Plan (DMP)
    - Belfast based firm
      
      Lower your monthly payments
      
      Write off a proportion of your debt
      
      Established over 25 years
    - call us on
      0800 470 046
      or
      028 2132 6269
    - Close
  - Individual Voluntary Arrangement (IVA)
    - Belfast based firm
      
      Lower your monthly payments
      
      Write off a proportion of your debt
      
      Established over 25 years
    - call us on
      0800 470 046
      or
      028 2132 6269
    - Close
  - Bankruptcy
    - Belfast based firm
      
      Lower your monthly payments
      
      Write off a proportion of your debt
      
      Established over 25 years
    - call us on
      0800 470 046
      or
      028 2132 6269
    - Close
- Regulated by:
Close
Debt Problems
Business Debt
HMRC Debt
Help Centre
- Our Articles
- FAQs
- News
- Close
Contact Us