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How getting active about his debts prevented Jack’s situation from spiralling out of control

When Jack, 28, moved home to start a new career, he had to rely on credit to get by each month. By using our free online debt advice tool, he was able to get the debt advice and solution he needed to ease the financial pressure and get his life back on track.

Find out how getting active about debt helped improve Jack’s situation and changed the way he feels about debt advice and people struggling with money worries.

Jack was struggling to make ends meet

Jack realised he had a debt problem when he moved away from home to start a new career. Credit had helped him get by when he was a student. Once he graduated, he was left with an overdraft and credit card debts that he struggled to repay.

“(The debt) pushed my finances to the point where it was borderline each month.”

Like many people in his situation, Jack tried to keep on top of his debts. However, he soon found himself relying on credit to pay for his everyday living costs.

“There were times when I found it hard to get to sleep, because (my debt) would be the last thing on my mind every day. That was difficult and took up a lot of my time to deal with emotionally.”

Getting active and using our online debt tool

Eventually, Jack decided to get active about his debt. He used our free online debt advice tool which gave him detailed advice and a range of debt solutions for his situation. 

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Once we knew about his debts, income, and outgoings, we could give detailed advice on what to do next. Jack decided a debt management plan (DMP) was his best option.

“The debt tool identified which solution would work best for me. It was as simple as typing out my outgoings, income and debts and then the plan was put in place.”

Supporting Jack throughout his debt solution

It didn’t take long for Jack to set up his DMP and start making more affordable payments to his debts. Questions and issues still came up from time to time, but when Jack needed our help we were here for him.

“I like the fact that every time I speak to StepChange it’s impartial and there’s no judgment. I know it’s going be a respectful service and someone’s going to listen.”

How we changed his perception of debt

Before getting advice Jack felt that he needed to deal with his situation alone. Many people often feel embarrassed or ashamed about their situation, and sometimes put off getting the help they need.

For Jack, being on a plan and dealing with his debts has changed the way he feels about people with debt problems and he’d encourage anyone to contact us.

“(Before seeking) help I felt there was a real stigma attached to debt and talking about money.
I don’t think that’s true. I don’t think that most people are equipped to deal with finances and debt.”

How we can help you

No matter how big or small your debt problem is, we're here to. 

We'll look at your financial situation and give you expert debt advice and recommend debt solutions to suit your situation. 

Debt problems can happen to anyone. We’re here for everyone.