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Get help with your debts

This advice applies to Northern Ireland

You can follow these 5 steps to find the best way to deal with your debts, depending on your situation. 

Some debts are important to deal with before others - even if you're getting letters and calls from lots of companies you owe money to.  

There's no debt problem that can't be solved, if you make a plan and stick to it. 

Complete each step to see:

  • what you might need specialist help with - and where to get it 

  • what you can deal with yourself - and how to do it 

  • what's most important to deal with first
You should get help from your nearest Citizens Advice as soon as you can if you've received court papers or you're about to be evicted - you don't need to follow these steps first. 

Step 1 - Gather information for each debt

Step 2 - Check which ones are 'priority' debts

Step 3 - Work out what you can afford to pay

Step 4 - Negotiate with your creditors for priority debts

Step 5 - Negotiate with your creditors for non-priority debts

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