Getting away with debt

posted by in Living with debt

Can you get away from your debt?

Can you run away from your debt?

Unsurprisingly some of our most popular blogposts dispel the myths about easy ways to ‘get away’ from paying back your debts.

These articles get lots of visits, although we’re sure that a lot of people come away disappointed when they find out the truth about getting debt free quick.

It’s cheeky but it’s also human nature to look for easy, stress-free ways out of tight spots. When you’re desperate to escape a debt problem, clinging to anything, no matter how ill-judged a move it could be, brings hope. Advertisements saying things like “Your debts written off!” often don’t help the situation.

So what do people look for? Let’s dispel the myths that it’s easy to ‘get away without paying’…

  • Can you run away from your debts? This article gets a lot of attention on the internet (we’re not sure if the views are coming from Spain!) The idea of sitting on a beach in the Costas while your creditors search for you in old Blightly seems to appeal to a few people. The truth is here about debt avoidance…


We also run a feature on our Twitter channel called #debtmyths. Again, many of the most popular myths are around debt avoidance…

I’ve won the lottery!

And finally our last article isn’t really about getting away with it; it’s more to do with wishful thinking. Still, the article has some great advice…

Winning the lottery, running away or finding ways to get out of paying debts might get views on the internet but the reality is your creditors will only treat you fairly if you make your best efforts towards dealing with your debts.

We know our clients are doing their best towards clearing their debts. However we know it can be a struggle and we try and offer as much support as we can. We also know through our debt blog that some people actively look for ways to escape their debt.

Taking free and impartial debt advice from StepChange Debt Charity is one of the best ways to make sure you’re on the right track towards debt freedom.

Matthew worked as an IVA drafter prior to working in social media. In a former life he wrote scripts for Eastenders, Emmerdale and Hollyoaks. He has 3 chickens, 2 dogs and a rabbit.

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Tags Living with debt
  • Adrian Atkins

    Hi I am currently on a debt management plan with step change . I owe 20 k in total and pay 160 a month to yourselves. My house is in negative equity and I am seriously considering bankruptcy . I pay 800 a month on mortgage of which 680 is interest . I owe 133,000 on the house . If I go bankrupt will I lose the home. If I weren’t paying debts I could manage the 1000.00 a month repayment just. Otherwise by the time debts are paid I will be approaching 50 yrs of age and mortgage will still be same as good as outstanding . Any advice would be grateful .

    • Hi Adrian,

      We wrote an article for on this very issue. Here’s the link: It’s quite complicated but if you’re in negative equity then the courts are unlikely to see your house as an asset they’d want you to sell but they will compare your housing costs to the likely cost of renting in your area and if renting would be cheaper they may expect you to pay them the difference between the two. So they might not make you sell but you might be expected to make payments to the courts which are hard to afford.

      There’s quite a few other things to consider before going bankrupt, so I’d suggest giving us a call and asking for a review. We’ll then be able to weigh up the options and talk you through bankruptcy if it’s the right thing to do.

      Kind regards