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Dealing Directly with Your Creditors

If you prefer to make your own arrangements, you can contact each creditor and provide a full breakdown of your current financial position, which includes your income and expenditure, assets and liabilities, and your offer of repayment.  We have a useful debt calculator which will help you work out your household budget, how much your unsecured debt is costing you each month to repay and how this compares with any surplus you may have at month end.

Further information and useful tools on dealing with your creditors are available at who can also provide you with details of organisations that can provide free debt advice including free debt management plans. Their contact number is 0800 138 7777.  Calls cost no more than to a standard UK wide number.

In addition, you can find government guidance on dealing with your creditors here.