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Last updated:
15/11/2017

What are my options for dealing with debt?

Administration Order

  1. Overview
  2. Priority and non-priority debts
  3. Bank accounts and debt
  4. Drawing up a budget sheet
  5. Negotiating reduced payments to your debts
  6. Free Debt Management Plans
  7. Administration Order
  8. Debt Relief Order
  9. Individual Voluntary Arrangement
  10. Bankruptcy
  11. Write Offs
  12. Will I be 'blacklisted'?
  13. What can creditors do if I don't pay?
  14. Should I tell creditors about my mental health?
  15. Getting help from a specialist adviser
  16. Next steps
An administration order (AO) allows you to make one affordable payment to the county court each month. This money is then passed to the creditors.

An administration order (AO) allows you to make one affordable payment to the county court each month. This money is then passed to the creditors. While you are making payments each month under the AO the creditors must accept the payment they are getting through the court. This means telephone calls and letters asking you for payment should stop.

To get an AO you have to have:

    1. At least one unpaid County Court Judgement (CCJ),
    2. At least two different debts, and
    3. No more than £5,000 worth of debt. Administration Orders are not commonly used in Northern Ireland.
    4. If it looks as though it will take more than three years to clear the debts under the AO, the court can make a composition order. This would limit how long you have to pay the debts back for, usually to three years.

Administration Orders are not commonly used in Northern Ireland.

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Within this subject

  1. Overview
  2. Priority and non-priority debts
  3. Bank accounts and debt
  4. Drawing up a budget sheet
  5. Negotiating reduced payments to your debts
  6. Free Debt Management Plans
  7. Administration Order
  8. Debt Relief Order
  9. Individual Voluntary Arrangement
  10. Bankruptcy
  11. Write Offs
  12. Will I be 'blacklisted'?
  13. What can creditors do if I don't pay?
  14. Should I tell creditors about my mental health?
  15. Getting help from a specialist adviser
  16. Next steps
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