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28/03/2023

Next steps

  1. Priority and non-priority debts
  2. Bank accounts and debt
  3. Drawing up a budget sheet
  4. Negotiating reduced payments to your debts
  5. Free Debt Management Plans
  6. Debt Arrangement Scheme
  7. Bankruptcy
  8. Trust Deeds
  9. Formal bankruptcy or a ‘sequestration’
  10. Write Offs
  11. Will I be 'blacklisted'?
  12. What can creditors do if I don't pay?
  13. Should I tell creditors about my mental health?
  14. Getting help from a specialist adviser
  15. What can I do if I have borrowed money from a loan shark?
  16. Next steps

  1. Useful contacts

Useful contacts

Experian

Experian plc is a consumer credit reporting agency.

Address - Experian, 160 Dundee St, Fountainbridge, Edinburgh, EH11 1DQ.

Telephone - (0)131 228 8030 

MoneyHelper

You can use the MoneyHelper website to find a debt adviser near you and gain advice on other debt matters. Webchat is available at the website, Monday to Friday, 8am to 6pm Saturday, 8am to 3pm. WhatsApp us with questions about debt, borrowing and pensions on 07701342744.

Address - 120 Holborn, London EC1N 2TD

Telephone - 0800 138 7777

(Monday to Friday (8 a.m. to 6 p.m.) The line is closed on Saturdays, Sundays, and bank holidays)

StepChange

StepChange provides free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.

Telephone - 0800 138 1111

(Monday – Friday (8 a.m. – 8 p.m.) and Saturday (9 a.m. – 2 p.m.))

Within this subject

  1. Priority and non-priority debts
  2. Bank accounts and debt
  3. Drawing up a budget sheet
  4. Negotiating reduced payments to your debts
  5. Free Debt Management Plans
  6. Debt Arrangement Scheme
  7. Bankruptcy
  8. Trust Deeds
  9. Formal bankruptcy or a ‘sequestration’
  10. Write Offs
  11. Will I be 'blacklisted'?
  12. What can creditors do if I don't pay?
  13. Should I tell creditors about my mental health?
  14. Getting help from a specialist adviser
  15. What can I do if I have borrowed money from a loan shark?
  16. Next steps
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