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Raging Frank
The 5 main Debt Solutions
Latest Updates
By David TurnerThe five main debt solutions include snowballing debts to improve credit, a Debt Management Plan (DMP) for reduced payments, a Debt Relief Order (DRO) for smaller debts, an Individual Voluntary Arrangement (IVA) to protect assets, and bankruptcy for a quick fresh start. Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Motivated by Refunds
📌 Debt Solutions Guide — Take Control NOW
Contents
- Debt Management Plans (DMPs)
- Debt Relief Orders (DROs)
- Snowball Debt Method
- Voluntary Arrangements (IVAs)
- Where to Get Help
Debt Management Plans (DMPs)
Hit your debts head-on with a DMP. Pay off unsecured debts in manageable chunks — credit cards, loans, overdrafts. You control the payments, or pros can help. Creditors might freeze interest — no promises. Your credit score? Yeah, it takes a hit. But you’re moving forward.
- Targets unsecured debts only.
- Possible freeze on interest & charges.
- Credit score impact.
Snowball Debt Method
Small wins fuel the fire. Crush your smallest debts first, get that motivation boost, then roll the cash to the next. Quick wins, steady progress — no quitting.
- Fast motivation boost.
- Less ideal for high-interest debts.
Voluntary Arrangements (IVAs)
Legally bind yourself to repay part of your debt over 5-6 years. After that? The rest is gone. Stops creditors from banging at your door. Requires fees and an insolvency pro, but freedom's the goal.
- Targets unsecured debts.
- Legal protection from creditors.
- Fees involved; managed by pros.
Where to Get Help
- StepChange
- National Debtline
- Citizens Advice
Free, no-nonsense advice. Pick up the phone. Get the plan. Crush your debt.
📌 Debt Solutions Guide — Take Control NOW
Contents
- Debt Management Plans (DMPs)
- Debt Relief Orders (DROs)
- Snowball Debt Method
- Voluntary Arrangements (IVAs)
- Where to Get Help
Debt Management Plans (DMPs)
Hit your debts head-on with a DMP. Pay off unsecured debts in manageable chunks — credit cards, loans, overdrafts. You control the payments, or pros can help. Creditors might freeze interest — no promises. Your credit score? Yeah, it takes a hit. But you’re moving forward.
- Targets unsecured debts only.
- Possible freeze on interest & charges.
- Credit score impact.
Snowball Debt Method
Small wins fuel the fire. Crush your smallest debts first, get that motivation boost, then roll the cash to the next. Quick wins, steady progress — no quitting.
- Fast motivation boost.
- Less ideal for high-interest debts.
Voluntary Arrangements (IVAs)
Legally bind yourself to repay part of your debt over 5-6 years. After that? The rest is gone. Stops creditors from banging at your door. Requires fees and an insolvency pro, but freedom's the goal.
- Targets unsecured debts.
- Legal protection from creditors.
- Fees involved; managed by pros.
Where to Get Help
- StepChange
- National Debtline
- Citizens Advice
Free, no-nonsense advice. Pick up the phone. Get the plan. Crush your debt.
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Listen up: how this website & forum rolls
Listen up: how this website & forum rolls
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Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
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No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute. - 🛡️
This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest. - 💰
We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before. - 🔗
We link to other sites when it’s useful — but we don’t babysit their content. Click smart. - ⚠️
This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.
Listen up: How this website & forum rolls
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
- This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
- We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
- We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
- This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.
Don’t Compromise When It Counts Most - your peace of mind
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If you’ve experienced financial hardship due to unaffordable repayments, we’re here to support you in achieving financial fairness.