Here is a self-help procedure that you can use if you are having difficulty in paying your bills.

FIRST ...

IF YOU DON’T WANT TO GET INTO DEEPER DEBT YOU MUST:

Follow these three steps to see the scale of your financial problems more clearly. Click the links to see detailed instructions for each step. You will find links back to this page when you have finished these steps.

NEXT ...

With the above information, go to Options for getting out of debt at Adviceguide to see what options you have for dealing with your debts.

THEN ...

If you decide that you want to negotiate with your creditors, we provide further guidance on the following pages:

If you think a different option e.g. Debt Relief Order, Individual Voluntary Arrangement, bankruptcy etc is more appropriate then please contact your local CAB or another advice agency.

BUT ...

If you receive notice that Bailiffs are coming to visit you then seek advice urgently, from your local CAB or another advice agency.

Tips for Using the Templates

You can use the templates we provide to create and print letters, and to draw up a financial statement and calculate your budget with offers to your creditors on your computer. Tips for dealing with these additional documents are given here, and also within some of the templates.