Debt Management Calculator

Do you qualify for debt management?

Answer a few short questions on our debt management calculator to find out what debt help might be available to you.

Your Situation

Your total debt: Please select... £2,000 to £7,000 £7,000 to £12,000 £12,000 to £19,000 £20,000 +

What debts should I include?Please include all your unsecured debts from loans and overdrafts to credit cards and store cards. You don't need to include any debts that are secured against your property.

Your location: Please select... England Wales Scotland Northern Ireland

Why do you need my location?Different countries offer different debt solutions. Your location will help us determine the best debt solution for you.

Employment status: Please select... Employed full time Employed part time Self employed Unemployed Retired Student

Is my employment status important?Your employment status and income will affect which debt solutions could be available to you.

Your email: (optional)

Your Details

First name: Surname: Telephone 1:

Why do you need my number?By entering a valid mobile number we'll be able to text your results to you. We'll also call you to talk you through your options and answer any questions you may have.

Telephone 2: (optional)

I agree to the privacy policy:

Please remember, this is just an information tool. We would always recommend you speak to a debt advisor for the most appropriate way to resolve your debt problems.

We'll give you an on-screen recommendation and call you. One of our advisors will be in touch to answer any questions you may have about your results.

Your privacy is important to us. All correspondence is held in the strictest confidence and we will only request information required to find your debt solution.

Debt management is designed to help people who can no longer afford their debts and would like to spread their payments over a longer period. If you think debt management could help you, simply fill in some details on the debt management calculator.

If you would like to know how much you might be able to lower your monthly payments by, speak to one of our debt advisers on 0800 195 2911.

What is a debt management calculator?

All About Money's debt management calculator is simply a tool that will help you to find out if there is a debt solution for your circumstances. Our debt management calculator asks you a few short questions to assess your situation at the moment. From that information, one of our advisers will be able to talk you through the debt solution options that are available to you.

As well as your contact details, our debt management calculator will ask you how much debt you have at the moment (an estimate is fine if you don't have the precise details), your employment status and your location. This information will be used to calculate which solutions could be available to you.

Please note our debt management calculator is only a guide and we would always suggest that you speak to someone for the most appropriate way to resolve your debt problems. You can speak to one of our advisers on 0800 195 2911.

What is debt management?

A debt management plan is designed to help you to repay your debt in full, at a rate you can afford. By spreading your repayments over a longer period, you could lower your monthly payments to an affordable level. However, it will take you longer to repay your debt and it may cost you more in interest overall.

If you already can't afford your debt, or if your debt is growing, it could still be the best option. If you would like to know how long it could take you to repay your debt on a debt management plan, speak to one of our advisers on 0800 195 2911.

What kind of debt can I include on a debt management plan?

A debt management plan is only suitable for people with unsecured debts that they can no longer afford - these debts may include credit cards, personal loans, overdrafts or loans from other sources.

You cannot repay a mortgage through a debt management plan, but it could make your mortgage payments more affordable. That's because your mortgage / rent and bills take priority over your unsecured debts on a debt management plan, and may make your essential debts more affordable, by reducing your monthly unsecured debt payments.

Are there any disadvantages with debt management?

We can't guarantee that lenders will accept lower repayments, but we do have an excellent success rate.

Lowering your monthly payments would mean you are not meeting your contractual agreement with your lenders and will be recorded on your credit record for six years. You may find it difficult to borrow more money during that time.

Are there any other debt solutions?

The right debt solution for you really depends on your circumstances. If you would like to know more about debt management, or any of the other debt solutions that are available, speak to one of our debt advisers on 0800 195 2911.

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