Together, we’ll help you resolve your debt problems in the best way for you.
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manage your debt with a self help
You could get yourself out of debt by simply communicating with your creditor. We can help with how to do so.
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what is self help?
Self help means contacting your creditors, explaining your situation and negotiating a way to repay your debts in a more affordable way that keeps them happy and you out trouble. For advice on how best to get yourself out of debt, contact our helpful advisors
benefits
Here’s how Self Help can help you regain financial freedom.
no fees
you're in control
track your debts
no employment hurdles
no public record
speak directly to creditors
considerations
deal with creditors on your own
If you wish to negotiate lower monthly debt repayments, you will need to deal with your creditors yourself, which some people may find difficult.
may not be able to renegotiate
You may not be able to renegotiate your payments/reduce or stop interest and charges as much as a debt solutions company with more creditor experience may.
debts still owed
You will still need to pay all of your debts separately; most debt solutions combine these into one single monthly payment.
complex and time consuming
Managing your own debts can prove complicated and time consuming.
may affect credit rating
Failure to maintain contractual payment levels may affect your credit rating/score.
we’ve helped over 1000 people find debt freedom
customer feedback
Here's what previous customers have to say.
frequently asked questions
can I get out of debt by myself?
If you have unsecured debt the creditors may be willing to negotiate with you. They might even agree to accept less than what you owe.
If you have access to a lump sum, it is possible for you to reach out to your creditors and negotiate a debt settlement directly.
Even if you’d prefer to handle your debt settlement offer yourself, it’s a good idea to at least seek debt advice before offering creditors a sum of money.
If you have access to a lump sum, it is possible for you to reach out to your creditors and negotiate a debt settlement directly.
Even if you’d prefer to handle your debt settlement offer yourself, it’s a good idea to at least seek debt advice before offering creditors a sum of money.
which debts should I deal with first?
You should deal with the most important debts first – these are called ‘priority debts’. Priority debts mean you could lose your home, have your energy supply cut off, lose essential goods, or go to prison if you don’t pay. They include things like:
• Rent and mortgage
• Gas and electricity
• Council tax
• Court fines
• Rent and mortgage
• Gas and electricity
• Council tax
• Court fines
can you give me advice on managing my debt?
Yes! Reach out to us on 0161 527 7530. Our friendly team is available Monday – Thursday from 9am to 7pm, on Fridays from 9am to 6pm, and on Saturdays from 10am to 4pm.
speak to sarah!
take back control
Taking back control is simple, but it can be a bit unnerving, so we keep you in the loop at all stages. Here’s what will happen after you get in touch.
We will call you to discuss your circumstances.
We help you decide on your best course of action.
We will help guide you through the process.
Care About Money Limited
Registered Office: The Granary 50 Barton Road, Worsley, Manchester, England, M28 2EB. Registered in England and Wales Registration number 13444035. ICO registration number ZB723901.
Care about money Ltd FRN 962287 is an appointed representative of Promethean Finance Limited FRN 662425.
Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails, it could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected for the medium to long term. Homeowners may be required to release the equity in their property, if unable to release equity and equity is available creditors may request an additional 12 months payments in compensation.
Care About Money does not directly provide debt solutions, it will provide advice and refer you to one of it’s trusted debt solution providers should you choose a solution that suits your requirements. We will receive a fee if you enter into an agreement with one of our partners. Adele Cardoso is licenced as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association.
All work undertaken by Arkle Insolvency Limited and Adele Cardoso (IP number 30710) is subject to the Insolvency Code of Ethics. Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails any debts remaining will not be written off. Failure of your IVA could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected.
Registered Office: The Granary 50 Barton Road, Worsley, Manchester, England, M28 2EB. Registered in England and Wales Registration number 13444035. ICO registration number ZB723901.
Care about money Ltd FRN 962287 is an appointed representative of Promethean Finance Limited FRN 662425.
Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails, it could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected for the medium to long term. Homeowners may be required to release the equity in their property, if unable to release equity and equity is available creditors may request an additional 12 months payments in compensation.
Care About Money does not directly provide debt solutions, it will provide advice and refer you to one of it’s trusted debt solution providers should you choose a solution that suits your requirements. We will receive a fee if you enter into an agreement with one of our partners. Adele Cardoso is licenced as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association.
All work undertaken by Arkle Insolvency Limited and Adele Cardoso (IP number 30710) is subject to the Insolvency Code of Ethics. Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails any debts remaining will not be written off. Failure of your IVA could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected.