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How this guide will help you

Protect your family and home.

Get back in control of your finances.

Understand all your options.

What you need

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How to get out of debt - A step by step guide

  • If you haven't already, fill out a full income and expenditure sheet.
  • Check if your Income and Expenditure meets the recommended budget.
  • Create a full list of your unsecured debts and creditors.

3 tasks - 20 mins

3 tasks - 15 mins

  • If you have debts with your current account provider, change your current account.
  • Check for priority debts.
  • Offer token payments to your creditors.
  • Apply for a 30 days grace period using this template letter.
  • Find out what to do if there's a bailiff at your door.

5 tasks - 1 hour

Check if one of the the following could work for you:

  • IVA
  • DMP
  • Trust Deed (Scotland)


Get specialised help from our partner organisations


Debt help FAQs

Have further questions about a particular step in the guide? Why not read our frequently asked questions.

Find out more

Guide glossary

This jargon-busting glossary will help you understand the terms and phrases you might be unfamiliar with.

Find out more

Making a difference to debt advice

We know that seeking help for your debts can be daunting, but our advisers are here to make it easy for you. They’ll offer impartial, non-judgemental advice, whatever your circumstances.

We also know that debt can happen at any time and for any reason. Right now, we’re all experiencing uncertain financial times but we can support you through them, with advice that works for you now and in the long-term too.

Meet a few of our team and find out what helping others means to them. Whether you need a friendly ear, or a helping hand, together we’ll make a plan to get your debts under control, so you can look forward to a brighter financial future.

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