Personal Debts

Debt Advice
Golden Rules
Types of creditors
Contacting creditors
Creditor letters
Saving money
10 point savings plan
Debt assessment
Quick Solutions
Debts Under £5k
Debts £5k - £15k
Debts over £15k
Specific Solutions
Trust Deed (Scotland)
Administration Order
IVA
Debt Management
Bankruptcy
Financing Debt
Finance health-check
Adverse Credit Mortgages
Mortgages for Bankrupts
Resources
Debt assessment
Useful Links
Credit Rating
Scheduling Debt
Debt Calculator
Tips on scheduling
Statement of means
Schedule of creditors
Debt assessment
Click your way through a few questions to get suggestions on your ideal debt solutions.
Resolve is trusted by the MoD and SSAFA Forces Help. Visit the military debt advice site for more information.
 

Debt Calculator

 

By completing the form below you will be able to calculate how much you can afford to pay your creditors each month, the amount you are currently paying your creditors and the total owed to your creditors

 

 Income
 
Your total take home pay (per month)
Partner's total take home pay (per month)
Other regular income (child benefit, other benefits, pension, CSA, maintenance)

Total Income
 

Household

Mortgage / Rent
Household Maintenance
Home & Contents Insurance
Food and Housekeeping
Council Tax
Water Rates
Electricity
Gas
Telephone
Mobile Telephone
Childcare Costs
TV Licence
Hire Purchase Items  
Rental Items
   

Personal

Life Policy
Personal Pension
Transport
Medical and Dental
Clothing
Secured Loan/s
   

Vehicle

   
Petrol
Servicing / Maintenance
Insurance
Road Tax
Hire Purchase / Vehicle Loan
   

Total Expenditure
 
 Debts per month
 
Please enter the number of creditors you wish to enter
 

Total Debts
Total Payments
 
 Summary
 
Disposable Income :
£0.00
Payments to Creditors (per month) :
£0.00
Total debt :
£0.00
 
 
 
  Do you qualify for a home insulation grant or a gas central heating grant?
If you are on qualifying benefits, tax credits or allowances,
you may well be eligible for 100% funding. Click HERE.
Tell us your debt problem Adverse Credit
Mortgage specialist
 
Our debt expert, Wally Stone has over 20 years experience in dealing with personal debt.
County Court Judgments

If you fail to pay a creditor and don’t reply to their reminders there are several things that they can do.

If it is a secured debt for example, a hire purchase agreement they can repossess the goods without going to court if you have paid less than one third of the total sum. You will still have to pay the majority of the balance.[More..]

Bailiff harassment
Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970.

It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly. In order for you to identify what activities by your creditors may involve harassment and what can be done about the problem, this article outlines:
[More..]
Credit Cards
For a great many of us the money runs out before the month does and then the temptation to use our credit cards to pay the bills kicks in. This is the beginning of the debt spiral and just what the credit card companies are counting on:. [More..]
 

Did you know...

According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.

Britain's personal debt is increasing by £1 million every four minutes.