Online debt help
Written by professionals, designed to help you fix your debt problems.
Assessing your situation
The best way to avoid severe debt problems is to stay on top of your situation and to seek early advice if you feel your debts are getting out of control. If you can only just afford your minimum monthly payments, you should see this as a warning. Find out more »
Understanding different debts
Different creditors have different ways of getting their money back. It's vital to understand which debts are the most important, and what the consequences of non-payment could be. Find out more »
Planning your way out of debt
If you're worried about debt, it's essential to take action as soon as possible - but before you can do that, you need to understand what kind of action is required. Find out more »
Budgeting
Budgeting is all about understanding and controlling your finances: your income (all the money you receive) and your expenditure (all the money you spend). Find out more »
Talking to creditors - repayment plans
If you can't make your minimum payments, it's essential to tell your creditors immediately. Tell them how much you can afford to pay them, based on what you earn, what you need to live on and what you owe. Find out more »
Talking to debt collectors
Creditors aren't likely to call in debt collectors if you miss one payment. Many have their own debt collection departments to handle short-term issues, and will only turn to external debt collectors if they can't reach an agreement with you, or if they think your payment problems are likely to go on for some time. Find out more »
Professional debt solutions
Various debt solutions are available to help you get your debts under control. It's vital to understand your options before you make any decisions. Find out more »
Learning from your experiences
Once you've taken steps to get back in control of your finances, it's vital to learn from your experiences. Find out more »
Emergency Debt Guide
A brief guide to how divorce, bereavement or even repossession could affect your finances and the financial consequences you'll need to consider during crisis events. Find out more »
Divorce and debt
This is a brief overview of three types of debt solution that may be helpful for divorcing couples with debts to consider. Find out more »