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Debt Management - Debts that can and cannot be included

Please see below for information on the different types of debt that can and cannot be included within a Debt Management plan. We will ensure to make you aware in all instances of what will be dealt with through any financial solution we offer in addition to giving you some advice on how to handle any debts what we are unable to manage for you.

What debts can be included in a Debt Management plan?

  • Unsecured personal loans
  • Bank overdrafts
  • Credit Cards
  • Store Cards
  • Catalogues
  • Utility Bills (from an old address or a previous supplier)
  • Outstanding debt from a service no longer being used (a nursery, for example, or a gym)
  • Doorstep Loans
  • Rent Arrears (from a previous address)
  • Mortgage/Car Shortfall (Once item has been sold for a loss or repossessed)
  • Department of Work & Pensions (Any overpayment of benefits & no longer in receipt)
  • Disconnected mobile phone bills
  • Payday loans
  • Funeral Costs
  • Charging orders
  • County Court judgements
  • Car finance (If you no longer have the car)

What debts cannot be included in a Debt Management plan?

  • Council Tax & Council Tax arrears
  • TV license
  • Parking fines
  • Court fines
  • Magistrate's fines
  • High Court fines
  • Court Judgements
  • Secured Loans
  • Mortgage and mortgage arrears
  • Guarantor loans
  • Hire Purchase (if still in possession of goods)
  • Current rent/utility bills
  • Personal debt to a friend or family member
  • Child maintenance
  • HMRC
  • Attachment of earnings
  • Debt outside of the UK
  • Student loans

If you would like any additional help or advice on any of the debts listed or have any questions please call us on freephone 0808 22 22 123 or alternatively you can use the request a callback form above or write to us at 123 Debt Solutions Ltd, 10A Dryden Road, Liverpool, L7 9PG.

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