• Debt Solutions
    Individual Voluntary Arrangement (IVA)
    Bankruptcy
    Debt Management Plan
    Debt Consolidation Loan
    Debt Relief Order
    Informal Agreement with Creditors
    Frequently Asked Questions
  • Money Advice
    Money Advice

    Being in debt can be a confusing, unnerving time but we are here to help! We've put together some great tips and advice to help you make better sense out of your debt.

    Help Avoiding Debt
    Debt Collection
    Types of Debt
    Debt Harassment
    Managing Debt
    Debt & Your Credit Score
    Jargon Buster
    Blog
  • Health & Wellbeing
    Health & Wellbeing

    We all know the importance of physical exercise, but your mental health is just as important, especially when faced with worries and concerns about debt.

    Mental Health
    Effects of Debt
    Help & Support Services
  • About us
    About us

    With over 20 years’ experience in the industry, at Aperture we believe it is our approach, vision, values and team that have helped make over 30,000 clients debt free.

    Our Story
    Reviews & Testimonials
    Our Vision & Values
  • Client PortalContact Us
  • Debt Solutions
    Individual Voluntary Arrangement (IVA)Compare Debt SolutionsFrequently Asked QuestionsBankruptcyDebt Management Plan (DMP)Debt Relief Order (DRO)Debt ConsolidationInformal Arrangement with Creditors
  • Money Advice
    Help Avoiding DebtDebt Collectors & Bailiffs / Enforcement AgentsTypes of DebtDebt HarassmentManaging DebtDebt & Your Credit ScoreJargon BusterBlog
  • Health & Wellbeing
    Mental HealthEffects of DebtHelp & Support Services
  • About us
    Our StoryReviews & Testimonials Our Vision & Values
  • Client PortalContact Us

Types of Debt

There are many different types of debt you can have, some are more important than others and it's important to know which of your debts need priority payment.

Credit Card Debt

Credit Cards can be a useful way to make purchases however debt can quickly build up if you miss your monthly repayments.

Income Tax

Income Tax is a tax you pay on your income so it's important to know what to do if yours is wrong.

Payday Loans

These 'quick fix' loans can help things last until payday, however they need to be repayed in full the following month.

Secured Loans

This type of loan allows you to borrow large sums of money, however failure to repay the debt could result in you losing valuable assets.

Council Tax Bills

This is a priority payment which needs to be paid regularly or you could face serious consequences.

Bailiffs

Our quick guide to bailiffs below will help you understand your rights when dealing with a bailiff and what they can and cannot do.

Creditors

Creditors are people you owe money to, and can add interest to your debts should you fail to pay them back on time.

Utility Bills

Getting into utility bill debt can be easily done but it's important you know what to do should you find yourself in arrears with your utility bills.

Go Back
In this Section:
  • Help Avoiding Debt
  • Debt Collectors & Bailiffs / Enforcement Agents
  • Types of Debt
  • Debt Harassment
  • Managing Debt
  • Debt & Your Credit Score
  • Jargon Buster
  • Blog
  • Debt Solutions

    Individual Voluntary Arrangement (IVA)Compare Debt SolutionsFrequently Asked QuestionsBankruptcyDebt Management Plan (DMP)Debt Relief Order (DRO)Debt ConsolidationInformal Arrangement with Creditors
  • Money Advice

    Help Avoiding DebtDebt Collectors & Bailiffs / Enforcement AgentsTypes of DebtDebt HarassmentManaging DebtDebt & Your Credit ScoreJargon Buster
  • Health & Wellbeing

    Mental HealthEffects of DebtHelp & Support Services
  • About Us

    Our StoryReviews & Testimonials Our Vision & Values
  • Legal

    Complaints ProcedureIVA Protocol and ConditionsPrivacy PolicyWebsite Terms of Use
  • Social Media

This website at www.apertureiva.com is owned and operated by Aperture Debt Solutions LLP, a limited liability partnership registered in Northern Ireland, No.NC001303, VAT Number 226953096. A list of members is available from our registered office: Water's Edge, Clarendon Dock, Belfast, BT1 3BH.

Aperture Debt Solutions LLP is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 758482)

Elaine Masters, Carol Sabrina McGurk, Antoinette Thorpe & Jacqueline Westerman are licensed to act as Insolvency Practitioners in the UK by the Insolvency Practitioners Association. Rikki Burton is licensed to act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants in England and Wales.

For more information on the Regulations & Guidance policies we adhere to, please visit the Insolvency Practitioner site here. We hold the appropriate Professional Indemnity Insurance and coverage is worldwide.

© 2019 Aperture Debt Solutions LLP. All rights reserved.

Debt Solutions

  • Individual Voluntary Arrangement (IVA)
  • Compare Debt Solutions
  • Frequently Asked Questions
  • Bankruptcy
  • Debt Management Plan (DMP)
  • Debt Relief Order (DRO)
  • Debt Consolidation
  • Informal Arrangement with Creditors

Money Advice

  • Help Avoiding Debt
  • Debt Collectors & Bailiffs / Enforcement Agents
  • Types of Debt
  • Debt Harassment
  • Managing Debt
  • Debt & Your Credit Score
  • Jargon Buster

Health & Wellbeing

  • Mental Health
  • Effects of Debt
  • Help & Support Services

About Us

  • Our Story
  • Reviews & Testimonials
  • Our Vision & Values

Legal

  • Complaints Procedure
  • IVA Protocol and Conditions
  • Privacy Policy
  • Website Terms of Use

Social Media

This website at www.apertureiva.com is owned and operated by Aperture Debt Solutions LLP, a limited liability partnership registered in Northern Ireland, No.NC001303, VAT Number 226953096. A list of members is available from our registered office: Water's Edge, Clarendon Dock, Belfast, BT1 3BH.

Aperture Debt Solutions LLP is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 758482)

Sabrina McGurk, Elaine Masters, Jacqueline Westerman and Antoinette Thorpe are licensed and regulated to act as Insolvency Practitioners in the UK by the Insolvency Practitioners Association. Rikki Burton is licensed and regulated to act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants in England and Wales.

For more information on the Regulations & Guidance policies we adhere to, please visit the Insolvency Practitioner site here. We hold the appropriate Professional Indemnity Insurance and coverage is worldwide.

© 2019 Aperture Debt Solutions LLP. All rights reserved.

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