Debt Advice Journey
An overview of what to expect when you start your debt advice journey. If your bills & debts are getting out of control, please contact us for free, impartial & confidential debt advice.
‘The worst thing when you have money troubles is to do nothing and to hope the problem will go away.’
Stage 1: Tell us about your situation
Stop 1: We need to know the background to your Debt & your personal information.
Stop 2: We’ll identify any emergencies & help you deal with them.
Stop 3: Helping you with a detailed budget, including ways of maximising income & budgeting advice.
Stop 4: We’ll identify your important payments & make sure they are kept up as a priority.
Stage 2: Detailed Financial Assessment
Stop 5: We’ll check how much money you agree that you owe & look at any assets you own. We’ll help you consider future changes to your budget.
Stop 6: We’ll help you work out what money, if any, you have left over after essential bills. This is called your disposable income.
Stage 3: Choose your Debt Option
Stop 7 : You choose the best eligible Debt Option that suits your situation best.
Stop 8: We'll identify which debt options you're eligible for & the pros & cons to consider.
Stop 9: We’re with you every step of the way, you’ve chosen a Debt Option, now let’s help you with it.
Stage 4: Take control of your debt
Stop 10: You’re on your way to be free from Debt & we’ll still be here to keep you on track.