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Get Help I need debt advice I need budgeting help Make a referral Advice process Debt options Preparing for an appointment Our Branches Money tips and resources Debt Awareness Week 2025 About Us Who We Are Our Impact Our Partners Our Branches Our People Our News Get Involved Work for Us Volunteer Churches Join our mailing list Support Us Make a donation Take on an Event Fundraise for us Volunteer Join our Mailing List Crosslight's 15th Anniversary Crosslight's Catalogue The Money Course
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Breathing Space

Breathing space is a government scheme which is designed to give you time to receive debt advice and find a solution to sort out your debt problems.

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Your OptionsMegan Heath22 April 2022
Repayment Plan

An agreed arrangement (formal or informal) to repay your debts over time based on an amount you can afford.

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Your OptionsMegan Heath8 December 2020
Bankruptcy

A legal process which writes off your unsecured debts.

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Your OptionsMegan Heath8 December 2020
Debt Relief Order

An accessible legal process to write off debts of up to £50,000 for those on low incomes who have no assets.

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Your OptionsMegan Heath8 December 2020
Individual Voluntary Arrangement

A formal agreement for those with surplus income and/or assets, to repay debts over a 5-6 year period. Some residual debts may be written-off at the end of the scheme.

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Your OptionsMegan Heath8 December 2020
Administration Order

A payment plan for debts under £5,000, managed for you by the Court. Some debts may be written off. Must have a CCJ to qualify.

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Your OptionsMegan Heath8 December 2020
Debt Write-off

Negotiating with creditors to cancel debts you owe, based on exceptional personal circumstances.

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Your OptionsMegan Heath8 December 2020
Full and Final Settlement

Some creditors may be willing to accept an offer lower than the amount you owe to repay your debts.

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Your OptionsMegan Heath8 December 2020
Selling Assets

An asset is anything you won that has monetary value. You may be able to release money from your assets to clear some/all of your debts.

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Your OptionsMegan Heath8 December 2020
Equity Release

In certain limited circumstances, you may be able to release money tied up in your home to repay your debts.

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Your OptionsMegan Heath8 December 2020
Consolidation Loan

Consolidating debt usually means taking out a new, more favourable loan, to reduce the number or cost of your debts.

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Your OptionsMegan Heath8 December 2020
Accessing Your Pension Pot

Taking money from your pension pot to repay debts. Only suitable in very specific circumstances.

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Your OptionsMegan Heath8 December 2020
 

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Crosslight Advice is a registered Charitable Incorporated Organisation (1163306) and is authorised and regulated by the Financial Conduct Authority (715066). Crosslight is part of the Community Money Advice network of debt advice agencies and is a member of AdviceUK. Crosslight holds the Advice Quality Standard.

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