HeyJaredThe Real Debt Guy's Podcast
At The Real Debt Guy Podcast, we truly understand how debt can affect your life, especially your mental well-being. That’s why every episode we produce is rooted in mindfulness, practical support, and honest conversation.
- Indexed episodes, last 90 days
- 8
- Latest publication
- Sep 22, 2026
- Audience
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- Earliest in this view
- Aug 18, 2026
Latest episodes
Order for Sale: The Final Stage Before You Lose Your Home (opens the original)
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An order for sale is the last step a creditor can take after a charging order — the point where they ask a court to force the sale of your home to recover the debt. It's rare. It's terrifying. And it's beatable in more cases than people realise. In this episode, we explain the full process and what actually happens in court. We cover: - Why order for sale is a separate court application from a charging order - The specific circumstances a judge considers before granting it - Why family circumsta
Charging Orders: How to Stop One Being Placed on Your Home (opens the original)
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A charging order attaches an unsecured debt to your home — turning something you owe into something linked to your property. It's one of the most serious steps in the UK debt enforcement process, and it's often used with debts as small as a few thousand pounds. In this episode, we explain what charging orders are, how they work, and — most importantly — how to stop one. We cover: - The full legal process from CCJ to charging order - Why interim charging orders are your last real chance to act -
Partial Settlements: Will They Damage Your Credit Score? (opens the original)
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A partial settlement is when a creditor accepts less than the full balance to close a debt. It's one of the most powerful tools in a debt journey — but people worry about what it does to their credit score. In this episode, we give you a clear, honest answer. We cover: - What a partial settlement actually is (in plain English) - The short-term hit to your credit file vs the long-term recovery - Why "settled" is different from "satisfied" on your credit report - How long the marker stays on your
UK Token Payments: How to Manage Debt Repayments Fairly (opens the original)
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When you can't afford your full repayments, a token payment gives you space to breathe without ignoring the debt entirely. In this episode, we walk through exactly how token payments work in the UK — and how to set them up properly so they actually protect you. We cover: - What a token payment is (and what it isn't) - Why £1 a month is a legitimate offer under FCA guidance - How to write to your creditors to propose one - What creditors are supposed to do when they receive a token payment offer
How Debt Collectors Buy Debt in the UK (And What It Means for You) (opens the original)
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When your original creditor sells your debt to a debt collector, everything changes. But most people never find out how that transaction actually works — or why understanding it puts you in a stronger position. In this episode, we explain the UK debt purchasing industry from the inside out. We cover: - How debts get sold — sometimes for as little as 4p in the pound - Which types of debt get sold most often - Why a debt collector's aggressive tone doesn't match their legal position - The paperwor
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