The Consumer Credit Counselling Service believe that, with their level of debt increasing, men are the new UK underclass

Probably the first thing you need to know if you are in debt is that you are one amongst many. Okay, so the only debt you are worried about is your own but, just sometimes, it helps to know you are not alone.

If you’re a homeowner of 50-55 years and older, equity release schemes are one of many debt solutions you might wish to consider.

Mortgages and re-mortgages are still available for people who have had credit problems in the past as well as those who have no proof of income, such as the self-employed.

A balance transfer is exactly what it says on the tin; you transfer the balance of your debt from one lender to another.