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Debt Solutions

Expenditure Guide
Anyone thinking of proposing either a Debt Management Plan or Individual Voluntary Arrangement (IVA) or even going Bankrupt will find this guide extremely useful.

Debtwizard has compliled a lsit of do's and don'ts when negotiating with creditors / lenders, a must read.

Money Saving


Great money saving tips that should help you build up your cash.
Benefit Checkup
People in the UK are missing out on benefits and tax credits worth more than £8 billion a year. Here we can direct you to an easy to use website that can help make sure you get what is yours.

Credit, History & Scoring

Basic Bank Accounts
Find out which banks and building societies offer basic bank accounts and what services you can expect to get from them.

What's types of cards are available and how are they different, why were they launched and where can I get them? Just some of the questions answered in this article.

Scottish Law


This is the Scottish legal term for personal bankruptcy whereby an individual is made bankrupt by the Court.
Trust Deeds
The Scottish alternative to an IVA (Individual Voluntary Arrangement). It is a similar principle, but the procedures are totally different.

Bailiffs & Repossession

Bailiffs
Having a bailiff call can be a harrowing experience; especially if they are looking to remove your property. You need to know your rights and how to complain about an unruly bailiff.
Repossession Debt
This article explains what you can do once your home has been repossessed, we highlight your options to help you negogiate on reducing the debt.

Reclaiming Charges


Do you feel you have been mis-sold PPI and don't know where to start? If you do then you have two options, either enter a claim yourself or employ a solicitor to do this for you. We can help you with both.
Bank Charges Latest Updates
All the latest news on bank charges claims including the re-opening of a case against Bank of Scotland that was in court on the 11th June 2010.

Case Studies

Old mortgage debt comes back to haunt fire fighter
Solicitors catch up with a fire fighter and demands £49,000 be paid on a house repossession debt. In this case study we detail the facts, advice and outcome.....
School teachers needs some help with debts of £64,000
In this case study Mike shows how a school teacher got back control of his credit card and personal loans debts of £66,000; Mike details the facts, advice and outcome.

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Mike Thomas aka the 'DebtWizard' helps individuals overcome their debt problems.

Mike writes all the articles found on this site.