Task 2: How do I find out more about different debt solutions?
Once you’ve had an advice session, either online or over the phone, you should soon receive an advice booklet. We'll send you this by email or post, depending on what you prefer. In the meantime, you can read general information about debt solutions on our website.
Visit our Debt Information section to learn more about the debt solutions we offer
Task 3: I’m struggling with minimum payments on my debts – what can I do?
While you may not think you have a debt problem, you may have credit cards, catalogues or store cards that you need to pay off.
If you’re currently paying the minimum on these debts each month, you may only be paying the interest, rather than the balance itself. If this continues for 18 months, your creditor may write to you to tell you that your balance is in ‘persistent debt’.
When a debt is persistent, it means that there hasn’t been much progress in paying it off over an extended period of time, despite your best efforts.
So, even if you don’t have a debt problem right now, it’s a good idea to look at your budget and find out what you’ve got left over each month. You can look at how much extra you could pay towards your credit cards, catalogues or store cards to get out of persistent debt.
Our dedicated team can help you explore your options. You can call them on 0300 303 2517. They’re available Monday to Friday 9am to 5pm. You can also read our factsheet for more information and ideas on how to deal with persistent debt.
For now, go do something fun. You’ve earned it!