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Get help with your debts

This advice applies to Wales

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

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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