Check your options

Recovery works differently in each nation, so this changes everything that follows.

This tells us how much time you have and what can still be stopped.

Also called bailiffs. If so, there are fees we should check.

Different councils behave very differently, and knowing yours means an adviser can tell you what they are likely to accept.

An estimate is fine. We are not asking you to look anything up.

This affects which options are open to you, and what your council can take.

Estimates are fine. This lets an adviser work out what you can realistically afford before they call.

Tick everything that applies. These are the debts that come before credit cards, and we need to rank them properly.

We call Monday to Thursday, 10am to 5pm. We will try to reach you in the window you choose.

Last question. We will not contact your employer, your landlord or your family.