Personal debt has a nasty habit of spiralling out of control. When the situation becomes impossible to manage and the cost of servicing the debt is outstripping income, remedial action needs to be taken. When it comes to personal debt problems matters are rarely simple and there is not a one size fits all answer. There are a range of debt solutions available including DROs, DMPs, IVAs, and bankruptcy should all else fail. The most appropriate solution depends not just on the level of debt, but also on your client’s ability to repay this sum. Consideration also needs to be taken of whether your indebted client is a homeowner; if so the options will be different to those without a sizeable asset to protect.