Pension Credit is the single most under-claimed benefit in the UK. If you're over State Pension age and on a modest income, it can top your income up and unlock help with rent, council tax, energy and a free TV Licence (age 75+).
Bankruptcy, IVAs and DROs all remain available in retirement. The right choice depends on assets (particularly your home), pension income and whether creditors are pushing enforcement.
Watch for equity release adverts that promise to 'wipe out debt'. It can be the right answer for some households, but it's expensive, complex and permanent. Independent guidance is essential before signing anything.
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