Debt & Insolvency

Free, plain-English guides to debt and insolvency in England & Wales — whether you owe money you can’t repay or you’re chasing a debt that someone won’t pay.

If you’re struggling with debt, start with our guides to a Debt Relief Order (DRO) and an Individual Voluntary Arrangement (IVA) — two formal routes that can write off or restructure what you owe. If you have several county court debts, Form N92 explains applying for an administration order so you can manage them through one affordable payment. Served a statutory demand? The deadline to apply to set it aside is 18 days from service — our guide to setting aside a statutory demand shows you exactly what to file and when, and our bankruptcy petition guide walks through what happens next.

If you’re the creditor, the usual first step for an unpaid debt is a county court money claim — see our complete Money Claim Online walkthrough. Our guides to the statutory demand (Form SD) and the winding-up petition cover the insolvency routes when a company won’t pay.

Each guide walks you through it step by step — what it means, what to write, and how to file. This is self-help information, not legal advice. Every guide is free to read — and when you’re ready, Chris can help you draft your own documents to a professional standard, in minutes.

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Contains public sector information licensed under the Open Government Licence v3.0. Crown copyright forms and guidance are reproduced under that licence.
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