Debt Information Take a look through our library of information or search for something more specific. Whatever you’re looking for, we’re sure we can help. Search PayPlan Breathing SpaceIf you are struggling with problem debt, you may be able to benefit from Breathing Space (also known as The…Types of debtLearn about the types of debt, common reasons for debt and what solutions are availableDebt CollectionDiscover what right bailiffs, debt collectors and creditors have when chasing and collecting debt.PayPlan’s Redundancy GuideIf you’re worried about the risk of redundancy, or have been made redundant, then don’t panic. Our Guide to Redundancy…Credit score and debtFind out how to understand, manage and control your credit score, and how being in debt can affect it.Family & Joint DebtDealing with debt has an impact on your family and is often a family affair. Find out more about dealing…Benefits and Welfare AdviceFind out what you can do if you are struggling with debt and receiving benefits. Also discover what help might…Managing DebtFind out where to get debt advice, how to manage your debt and the difference between an IVA and DMPDebt and VulnerabilitiesDiscover how debt can have a impact on your health and what you can do to overcome health issues.Debt and Your HomeInformation for homeowners with mortgage debts, shortfalls, and reposession advice. Find out what your options are.