A comprehensive, supportive platform designed to help UK individuals manage debt, calculate surplus income, and navigate the bankruptcy process with ease and clarity. Feeling overwhelmed by debt? Debtrupt gives you a clear plan, the right tools, and the confidence to take back control — step by step.

UK debt & bankruptcy guidance

What is Interest Freeze?

Practical Steps

When a creditor stops adding interest or charges to your account so the balance stops growing while you sort a plan.

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Related Practical Steps terms

Disposable Income

What is left of your income after essential living costs are paid — used to work out what you can realistically afford towards debts.

Full and Final Settlement

A one-off lump-sum offer to a creditor to clear a debt, often accepted for less than the full amount owed.

Hardship

When paying a debt would leave you unable to meet essential living costs. Creditors must follow specific rules in genuine hardship cases.

Token Payment

A small regular payment (often £1 a month) to a creditor while you sort a longer-term plan. It shows good faith and may pause further action.