The first step is to contact us for an appointment. Below are some of the areas to think about which we hope will help you.
Never ignore debt problems.
They will not go away and the longer you leave them the worse they will get.
Think carefully before borrowing money to pay off debts.
It is seldom the right answer and can often make life worse for you even leading you to losing your home.
Benefits and tax credits.
Check you are claiming all the benefits and tax credits to which you are entitled.
Are you sure that you have been given the correct tax code and so are not paying too much tax? If in doubt, contact your tax office.
Work out a personal budget showing all your incomes and outgoings so that you can clearly see where you stand financially and plan. Use our online tools to help you.
Talk to your creditors.
Get in touch with all your creditors straight away and explain your difficulties.
Prioritise your debts.
Make sure you tackle your important debts first – for instance debts that could mean you losing your home, the council taking you to court or the threat of having your gas or electricity cut off.
Make a reasonable offer to repay the money based on what you can afford - you still must live!
Do not give up.
Even if creditors are difficult do not give up trying to reach an agreement.
Court papers and appearance.
Fill in the reply to forms to court papers in good time. Let the court have all the facts and keep copies of all correspondence. Always attend court hearings and take a copy of your budget with you.