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Legal Help · Money & debt
How debt is recovered lawfully, what recovery agents may and may not do, and what to check before agreeing to any restructuring.
A debt is unpaid, or a lender or recovery agent is pursuing you.
Two questions that change the order of this page. They produce no assessment of your situation, and everything below is here whether you answer them or not.
Where to start reading
These questions change the order this page is best read in. They do not assess your situation and they produce no result — everything below is here either way.
Your answers stay in this browser tab. Nothing is sent anywhere, and nothing is kept when you close the page.
In general terms, and naming the instruments. This is not a statement about your particular circumstances.
Practical, and in the order that usually matters. Doing none of this is not a legal failing — it is simply harder afterwards.
What you should do
What you should not do
The sequence most of these situations follow. Each step is educational: it describes what the stage is, not what you should decide.
The points at which reading stops being enough.
The routes that most often apply to this situation, in the order they are usually worth trying.
Where to get actual help
These are the routes that most often apply to this situation. Each one has its own criteria and its own limits, and none of them is guaranteed to take your matter.