Preparing for debt advice
What information do I need?
To make sure the advice and solutions we offer are tailored to your situation, we need to know more about your financial situation.
Our online debt advice tool guides you through everything we need in around 20 minutes. If you need more time you can save your progress and complete it later.
To get advice over the phone we'll need details of your income, outgoings and debts. We'd recommend using our budget form to get this information together before you call us.
Where can I find details of my debts?
If you know who you owe money to, you can contact creditors for up-to-date debt balances. If you're unsure, you can get a copy of your credit report from one of three credit reference agencies:
These are private companies that hold details about your debts and credit history. Most of these companies offer a free service or a trial, but you can also request a paper copy of your credit file for £2 each.
If your debts aren't on your credit file, there are other ways you can find out who you owe money to.
Need extra assistance?
If you're struggling to complete your budget form or need extra assistance, please call us on 0800 138 1111 and our advisors will be able to help. If possible, have details about your income, outgoings and debts ready when you call.
I'm self-employed. Can you help?
If you’re self-employed and looking for help with your debts, please contact Business Debtline. They offer specialist help to the self-employed, including advice on tax implications, court proceedings and business liabilities. They’ll also be able to help with any personal debts.
Call them on 0800 197 6026. They’re open Monday to Friday 9am to 8pm.