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DRS - Debt Restructuring Solutions

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  • Individual Voluntary Arrangements (IVA's)
  • Bankruptcy
  • Debt Relief Orders (DRO's)
  • Debt Management Plans (DMP's)
  • Informal Agreement with Creditors
  • County Court Administration Order (CCAO)
  • Trust Deeds (Scotland)
  • Consolidation Loan
  • Mis-sold Payment Protection Insurance (PPI)
  • Debt Calculator

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  • Individual Voluntary Arrangements (IVA's)
    • What is an IVA - Individual Voluntary Arrangement?
    • How do I know an IVA is right for me?
    • How does an IVA work?
    • How is IVA Debt Advice Helpline different?
    • How long does it take to set up an IVA and what is the process?
    • How long does an IVA last?
    • How much does an IVA cost?
    • Will I ever have to go to court?
    • Will my creditors still call me?
    • What happens at the IVA creditors meeting?
    • Can I clear all my debts with an IVA?
    • Will I lose my home in an IVA?
    • Will an IVA affect my business?
    • What happens to my Credit Cards in an IVA?
    • Will my IVA affect my bank account?
    • What if my financial circumstances change during the IVA?
    • What happens if I default on the terms of my IVA?
    • Do I have to tell anyone I have an IVA?
    • Can I share my IVA with my partner?
    • How does an IVA affect my credit rating?
    • I live with my parents – will the IVA result in them being blacklisted?
  • Bankruptcy
    • Bankruptcy Annulment Service
      • Why use our service?
      • What are the savings?
      • What are the costs of bankruptcy?
      • Common misconceptions about bankruptcy
      • Case Study - made bankrupt by Council
      • Case Study - made bankrupt by HM Revenue & Customs
    • Bankruptcy Petition Service
    • Bankruptcy FAQ's
      • Advantages of bankruptcy
      • Disadvantages of bankruptcy
      • What costs will be incurred?
      • How long will bankruptcy last?
      • My existing IVA - Individual Voluntary Arrangement has failed - should I go bankrupt?
        • IVA Case Study
      • How do I petition for my own bankruptcy?
      • Who will deal with my bankruptcy?
      • What are my duties as a bankrupt?
      • What happens when you are interviewed by the Official Receiver?
      • What are the restrictions on a bankrupt?
      • What happens to your creditors?
      • What happens to your assets?
      • What happens to your home?
      • What happens to your bank account?
      • What happens to your business?
      • What are Income Payment Agreements (IPA's)?
      • What are Income Payment Orders (IPO's)?
      • How are IPO and IPA payments calculated?
      • How long will an IPA or an IPO run for?
      • What will happen to your pension?
      • What happens to your life assurance policy?
      • How do I get the bankruptcy order cancelled?
    • Insolvency Act 1986 - Bankruptcy
      • Insolvency Act 1986 - Part IX - Bankruptcy
        • Chapter I - Bankruptcy Petitions, Bankruptcy Orders
          • 264. Who may present a bankruptcy petition
          • 265. Conditions to be satisfied in respect of debtor
          • 266. Other preliminary conditions
          • 267. Grounds of creditor's petition
          • 268. Definition of inability to pay, etc.; the statutory demand
          • 269. Creditor with security
          • 270. Expedited petition
          • 271. Proceedings on creditor's petition
          • 272. Grounds of debtor's petition
          • 273. Appointment of insolvency practitioner by the court
          • 274. Action on report of insolvency practitioner
          • 276 Default in connection with voluntary arrangement
          • 277. Petition based on criminal bankruptcy order
          • 278. Commencement and continuance
          • 279. Duration
          • 280. Discharge by order of the court
          • 281. Effect of discharge
          • 281A. Post-discharge restrictions
          • 282. Court's power to annul bankruptcy order
        • Chapter II - Protection of Bankrupt's Estate and investigation of his affairs
          • 283. Definition of bankrupt's estate
          • 283A. Bankrupt's home ceasing to form part of estate
          • 284. Restrictions on dispositions of property
          • 285. Restriction on proceedings and remedies
          • 286. Power to appoint interim receiver
          • 287. Receivership pending appointment of trustee
          • 288. Statement of affairs
          • 289. Investigatory duties of official receiver
          • 290. Public examination of bankrupt
          • 291. Duties of bankrupt in relation to official receiver
        • Chapter III - Trustees in Bankruptcy
          • 292. Power to make appointments
          • 293. Summoning of meeting to appoint first trustee
          • 294. Power of creditors to requisition meeting
          • 295. Failure of meeting to appoint trustee
          • 296. Appointment of trustee by Secretary of State
          • 297. Special cases
          • 298. Removal of trustee; vacation of office
          • 299. Release of trustee
          • 300. Vacancy in office of trustee
          • 301. Creditors' committee
          • 302. Exercise by Secretary of State of functions of creditors' committee
          • 303. General control of trustee by the court
          • 304. Liability of trustee
        • Chapter IV - Administration by Trustee
          • 305. General functions of trustee
          • 306. Vesting of bankrupt's estate in trustee
          • 306A. Property subject to restraint order
          • 306B. Property in respect of which receivership or administration order made
          • 306C. Property subject to certain orders where confiscation order discharged or quashed
          • 307. After-acquired property
          • 308. Vesting in trustee of certain items of excess value
          • 308A. Vesting in trustee of certain tenancies
          • 309. Time-limit for notice under s. 307 or 308
          • 310. Income payments orders
          • 310A. Income payments agreement
          • 311. Acquisition by trustee of control
          • 312. Obligation to surrender control to trustee
          • 313. Charge on bankrupt's home
          • 313A. Low value home: application for sale, possession or charge
          • 314. Powers of trustee
          • 315. Disclaimer (general power)
          • 316. Notice requiring trustee's decision
          • 317. Disclaimer of leaseholds
          • 318. Disclaimer of dwelling house
          • 319. Disclaimer of land subject to rentcharge
          • 320. Court order vesting disclaimed property
          • 321. Order under s. 320 in respect of leaseholds
          • 322. Proof of debts
          • 323. Mutual credit and set-off
          • 324. Distribution by means of dividend
          • 325. Claims by unsatisfied creditors
          • 326. Distribution of property in specie
          • 327. Distribution in criminal bankruptcy
          • 328. Priority of debts
          • 329. Debts to spouse
          • 330. Final distribution
          • 331. Final meeting
          • 332. Saving for bankrupt's home
          • 333. Duties of bankrupt in relation to trustee
          • 334. Stay of distribution in case of second bankruptcy
          • 335. Adjustment between earlier and later bankruptcy estates
        • Chapter V - Effect of Bankruptcy on Certain Rights, Transactions etc
          • 335A. Rights under trusts of land
          • 336. Rights of occupation etc. of bankrupt's spouse or civil partner
          • 337. Rights of occupation of bankrupt
          • 338. Payments in respect of premises occupied by bankrupt
          • 339. Transactions at an undervalue
          • 340. Preferences
          • 341. Relevant time under ss. 339, 340
          • 342. Orders under ss. 339, 340
          • 342A. Recovery of excessive pension contributions
          • 342B. Orders under section 342A
          • 342C. Orders under section 342A: supplementary
          • 342D. Recovery of excessive contributions in pension-sharing cases
          • 342E. Orders under section 339 or 340 in respect of pension-sharing transactions
          • 342F. Orders under section 339 or 340 in pension-sharing cases: supplementary
          • 343. Extortionate credit transactions
          • 344. Avoidance of general assignment of book debts
          • 345. Contracts to which bankrupt is a party
          • 346. Enforcement procedures
          • 347. Distress, etc
          • 348. Apprenticeships, etc
          • 349. Unenforceability of liens on books, etc
          • 349A. Arbitration agreements to which bankrupt is party
        • Chapter VI - Bankruptcy Offences
          • 350. Scheme of this Chapter
          • 351. Definitions
          • 352. Defence of innocent intention
          • 353. Non-disclosure
          • 354. Concealment of property
          • 355. Concealment of books and papers; falsification
          • 356. False statements
          • 357. Fraudulent disposal of property
          • 358. Absconding
          • 359. Fraudulent dealing with property obtained on credit
          • 360. Obtaining credit; engaging in business
        • Chapter VII - Powers of Court in Bankruptcy
          • 363. General control of court
          • 364. Power of arrest
          • 365. Seizure of bankrupt's property
          • 366. Inquiry into bankrupt's dealings and property
          • 367. Court's enforcement powers under s. 366
          • 368. Provision corresponding to s.366, where interim receiver appointed
          • 369. Order for production of documents by inland revenue
          • 370. Power to appoint special manager
          • 371. Re-direction of bankrupt's letters, etc
      • Insolvency Act 1986 - Part XI - Interpretation for Second Group of Parts
        • 380. Introductory
        • 381. Bankrupt and associated terminology
        • 382. Bankruptcy debt, etc
        • 383. Creditor, security, etc
        • 384. Prescribed and the rules
        • 385. Miscellaneous definitions
      • Insolvency Act 1986 - Part X - Individual Insolvency - General provisions
        • 372. Supplies of gas, water, electricity, etc
        • 373. Jurisdiction in relation to insolvent individuals
        • 374. Insolvency districts
        • 375. Appeals etc. from courts exercising insolvency jurisdiction
        • 376.Time-limits
        • 377. Formal defects
        • 378. Exemption from stamp duty
        • 379. Annual report
    • Personal Insolvency Statistics
  • Debt Relief Orders (DRO's)
    • Is a DRO suitable for me?
    • What are the effects of a DRO?
    • What restrictions are there?
  • Debt Management Plans (DMP's)
    • Pros and Cons of DMP's
    • What is the cost of a DMP?
  • Informal Agreement with Creditors
    • Pros & Cons of Informal Agreements
  • County Court Administration Order (CCAO)
    • Pros and Cons of CCAO's
  • Trust Deeds (Scotland)
    • Trust Deeds - FAQs
      • What is a trust deed?
        • New page
      • Can anyone be appointed as the trustee?
      • Are creditors bound by the terms of the trust deed?
      • Can those creditors who do not agree to the trust deed take action to recover their debts?
      • Can I prevent diligence being taken against me by creditors who do not agree to the trust deed?
      • What is a Protected Trust Deed?
      • What are the consequences of signing a trust deed?
      • What happens when I sign a trust deed?
      • How does my trust deed become a protected trust deed?
      • What will creditors expect?
      • What is paid to my trustee?
      • Where does the money come from?
      • What happens if my circumstances change?
      • What happens to my debts?
      • What happens if I do not co-operate with my trustee?
      • What should I do if I am unhappy with my trustee?
      • What if my creditors are unhappy with my trustee?
  • Consolidation Loan
    • Pros and Cons of Consolidation Loans
  • Mis-sold Payment Protection Insurance (PPI)
    • PPI Claims Service
    • What fees will be charged?
    • What if I'm an an IVA or a DMP?
    • Who's been fined by the FSA?
    • Our Complaints Procedure
  • Debt Calculator
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  • Latest Insolvency News
    • 700,000 people in Debt Management Plans
    • Taxman to Use Debt Collection Agency
    • OFT warns debt management and call centres to stop making unsolicited and misleading cold calls
    • Personal Insolvency Statistics - Q1 2009
    • Accuma sells IVA book
    • Exeter City Council made a woman bankrupt for unpaid council tax
    • Camden Council obtain bankruptcy order against lady with mental health problems
    • Wolverhampton Council make man bankrupt for not paying Council Tax

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