Getting help from a specialist adviser

If you are struggling with debts it is important to speak to a specialist debt adviser. A debt adviser will make sure you are aware of all the options that you have. They can also tell you how each option will affect you.

You should not agree to pay someone to help with your debt, as there are many organisations that will help you for free.

When you speak to a debt adviser, they will ask some questions about your circumstances and the debts that you owe. Once they have an understanding of your situation a debt adviser can:

• Explain how you could maximise your income,
• Help you draw up a budget sheet,
• Help you prioritise your debts, and
• Explain the options for dealing with debts that are available and appropriate for you.

Some organisations only offer ‘self-help’ advice, which means they can advise on your options, but you will have to contact your creditors and complete any necessary forms yourself.