• Start with your personal household details.
• The types of debt, how & when they started?
• Any emergency debts you have?
• Let your creditors know you are getting help.

• Check your income less essential living costs.
• Identify any priority debt you must pay.
• Discuss budgeting & income maximisation tips.
• Consider any essential assets you own.

• Discuss any entitlement to charitable help.
• Check your liability for debt.
• Compare formal & informal debt solutions.
• Confirm any eligibility criteria.

• Consider any application fees involved.
• Do you need to protect any essential assets?
• How long will the debt solution last?
• Pick an affordable, maintainable debt solution.

Pleas visit our Debt Options Overview Page.

• Make sure you have a basic, safe bank account.
• Set up any debt repayments you need to make.
• Plan for future life events affecting your money.
• Think about budgeting & savings longer term.