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<h4>Yn yr adran yma:</h4>
<ul><li class="up"><a href="../../cy/gateway/debt_rid_5686.html">I fyny un lefel</a></li><li class="on"><a href="../../cy/gateway/debt_rid_5687.html">Methdaliad</a></li><li><a href="../../cy/gateway/debt_rid_5688.html">Casglu dyledion</a></li></ul>
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<h1>Methdaliad</h1>
<p class="secb">
Ffordd o ddelio â dyledion na allwch eu talu. Mae�n cynnwys yr hyn sy�n digwydd pan fyddwch yn cofnodi eich deiseb eich hun neu pan wneir chi�n fethdalwr.
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<h2>Gwybodaeth a chyngor o wefannau eraill</h2>
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<h3><a href="../../d_bankruptcy.pdf" target="_blank">Bankruptcy (PDF)</a></h3>
<p>Information about the advantages and disadvantages of going bankrupt if you are in debt; covering the procedure for becoming bankrupt and where to get further help.</p>
<p class="from"><i>From:</i> <a href="http://www.adviceguide.org.uk/">Adviceguide from Citizens Advice</a></p>
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<h3><a href="../../pdfs/guidanceleafletspdf/guidetobankruptcy.pdf" target="_blank">Guide to bankruptcy (PDF)</a></h3>
<p>Outlines what happens if you are made bankrupt in England and Wales, and about some of the alternatives to bankruptcy.</p>
<p class="from"><i>From:</i> <a href="http://www.insolvency.gov.uk/">Insolvency Service</a></p>
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<h3><a href="http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=01_bankruptcy" target="_blank">Bankruptcy</a></h3>
<p>Explains what bankruptcy is, how to go bankrupt and what effect it will have on you. Also covers the alternatives to bankruptcy.</p>
<p class="from"><i>From:</i> <a href="http://www.nationaldebtline.co.uk/england_wales/index.php">National Debtline</a></p>
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<h3><a href="http://england.shelter.org.uk/get_advice/paying_for_a_home/dealing_with_debt/alternatives_to_bankruptcy" target="_blank">Alternatives to bankruptcy</a></h3>
<p>Information on the alternatives that are out there to becoming bankrupt.</p>
<p class="from"><i>From:</i> <a href="http://www.shelter.org.uk/">Shelter</a></p>
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<h3><a href="http://www.insolvency.gov.uk/faq/faq.htm" target="_blank">Frequently asked questions about bankruptcy</a></h3>
<p>Answers questions such as how do you make yourself bankrupt, can you have a bank account, when will you be discharged, and will you still have to repay your student loan?</p>
<p class="from"><i>From:</i> <a href="http://www.insolvency.gov.uk/">Insolvency Service</a></p>
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<h3><a href="http://www.insolvency.gov.uk/" target="_blank">The Insolvency Service website</a></h3>
<p>Explains about bankruptcy and insolvency. Includes information for you if you are bankrupt or are considering bankruptcy, or if you are owed money by a company that is in liquidation, or a person that is bankrupt.</p>
<p class="from"><i>From:</i> <a href="http://www.insolvency.gov.uk/">Insolvency Service</a></p>
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<h3><a href="http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=26_individual_voluntary_arrangements" target="_blank">Individual voluntary arrangements (IVA)</a></h3>
<p>An IVA is an alternative to bankruptcy. explains what it is, and who it's suitable for. You need an insolvency practitioner to set up an IVA and you will have to pay a fee for their services.</p>
<p class="from"><i>From:</i> <a href="http://www.nationaldebtline.co.uk/england_wales/index.php">National Debtline</a></p>
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<h2>Ein dewisiadau rhagorol</h2>
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<h3><strong><a href="https://www.cccs.co.uk/debtremedy/(S(qbke4x55yqptlv55nnwfz0em))/midway/cls/cls-start.aspx?clspg=1" onclick="window.open(this.href);return false;" onkeypress="window.open(this.href);return false;">Offeryn rheoli dyled</a></strong></h3>
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<h3><a href="../../cy/legalhelp/leaflets.html" target="_self">Delio â dyled</a></h3>
<p>Eich hawliau cyfreithiol pan fo gennych ddyledion, a’r amddiffyniad sydd gennych rhag pobl sy’n hawlio arian oddi arnoch.</p>
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<h3><strong><a href="../../cy/legalhelp/tele_message01.html">Beth ydi pwerau beilïod a chasglwyr dyledion?</a></strong></h3>
<p>Eich hawliau wrth ddelio â beilïod neu gasglwyr dyledion.</p>
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<p>Yr hyn allwch ei wneud pan fyddwch ar ôl gyda thalu eich treth Cyngor.</p>
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