A trust deed includes most unsecured debts, such as credit card debts, overdrafts and personal loans. Your trustee will discuss this with you.
If you have arrears on your household bills, such as council tax or utilities, the trustee will include them in your trust deed.
Some debts are not included in a trust deed. These include:
Mortgages
Student loans
Criminal fines
Fraudulent debts, such as benefit fraud
Child maintenance arrears - your child maintenance payments can't be included, this only applies to arrears, you’ll be expected to carry on making payments as normal
If you have any secured loans, you can ask for them to be included, but your creditors may not agree. Your trustee will advise.