Together, we’ll help you resolve your debt problems in the best way for you.
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Manage your debt with self-help
You can reduce stress and regain control by speaking directly to your creditors and agreeing affordable repayments. We’ll show you how, step by step.
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what is self help?
Self-help debt means you contact your creditors yourself, explain your situation, and propose an affordable repayment plan based on your income and essential costs. You stay in control, and you can ask creditors to pause interest and charges while you keep to the plan.
With our free support you can:
- Build a simple budget that shows what you can realistically pay
- Use ready-made letter and call templates to contact creditors
- Ask for interest and charges to be frozen
- Review payments if your circumstances change
Benefits of Self Help
Here’s how self-help debt management can put you back in control:
No fees
You stay in control
Track your debts
No employment impact
Not on public record
Direct with creditors
Considerations
While self-help can give you control, it also comes with challenges:
Dealing with creditors yourself
You’ll need to contact and negotiate with your creditors directly, which some people
may find stressful or difficult.
may find stressful or difficult.
Limited negotiation power
You may not always be able to stop interest, charges, or reduce payments as effectively
as a professional debt solution provider could.
as a professional debt solution provider could.
Multiple payments to manage
Unlike other solutions that combine debts into one monthly payment, you’ll still need to pay each creditor separately.
Complex and time-consuming
Managing your own debts can be complicated and requires ongoing effort.
Impact on credit rating
Missing or reducing payments outside of an agreed plan could negatively affect your credit 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?
Yes, some people manage their debts alone by negotiating directly with creditors or setting up payment plans. However, this can be time-consuming and stressful, which is why many prefer expert support.
Which debts should I deal with first?
It’s best to prioritise “priority debts” like mortgage/rent, council tax, utilities, and HMRC debts, since missing these can have serious consequences. Secondary debts like credit cards and loans can usually follow once essentials are secure.
Can you give me advice on managing my debt?
Yes, our expert advisors can help you explore every option, from budgeting and self-help to formal debt solutions, so you can choose the path that suits your situation.
speak to sarah!
Take Back Control of Your Debt
Taking back control of your finances doesn’t have to feel overwhelming. At Care About Money, we make the process simple and supportive, keeping you informed at every stage, so you know exactly what to expect.
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.