We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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Can other people find out I'm in debt?

If you’re in arrears with your debts, you may be worried that other people will find out.

Details of your debts are confidential between you and your creditors. They can’t discuss your situation with anyone else without your permission.

However, some information relating to court action or insolvency is public and in theory it could be seen by anyone. In practice, it’s unlikely anyone you know would come across this sort of information by accident.

Is court action public information?

If you continue to miss payments towards a debt, your creditors could take court action to get you to repay it. The following court actions are public information:

  • England and Wales - County Court judgments (CCJs), administration orders, Child Support Agency (CSA) liability orders and some criminal fines
  • Scotland – decrees
  • Northern Ireland – money judgments

Anyone can search your details of the public register by contacting Registry Trust online and paying a fee of £4.

The register will show your name and address, and details of the court action taken including the date and the amount owed at the point the action happened.

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Or call our expert debt advisors

0800 138 1111

8am to 8pm Monday to Friday, 8am to 4pm Saturday. Freephone inc. mobiles.

Insolvency debt solutions and public information

If you deal with your debts by starting any of the following insolvency solutions your details will appear on a public Insolvency Register which can be searched for free by anyone.

  • Bankruptcy
  • Debt relief orders (DROs) in England, Wales or Northern Ireland
  • Individual voluntary arrangements (IVAs) in England, Wales or Northern Ireland
  • Trust deeds in Scotland

Details of bankruptcy will also appear in The Gazette. This is a Government publication which records official information. In some cases, details of bankruptcy could also be published in local newspapers by the Insolvency Service, though this is now rare.

Who can see my credit file?

Most creditors share information about your debts with credit reference agencies. These records can be searched by other creditors, but they’re not visible to the general public.

Worried about debt?

If you’re struggling to pay your debts, we can help. Our online Debt Remedy tool will give you personalised debt advice whatever your situation.

Or if you’d prefer to speak to us call our Helpline and talk to one of our expert advisors.