Self Help / Negotiated Agreements

Simply communicating to your creditors and negotiating affordable arrangements can be helpful towards solving debt problems, this is a way of communicating directly and explaining your situation, while still wanting to pay back your debts the best you can.

Get debt Help

Methods of self help


Payment Reductions


Payment Holidays


Ask the creditor for your interest and charges to be frozen

Debt consolidation

Debt consolidation usually means you taking out further credit to pay off existing debts and reduce outgoings.

This is typically borrowed from a bank or loan provider and can be a useful way of putting your current debts into one monthly, manageable payment.

There are several different consolidation providers to choose from and if you feel this is a route you would like to take, we suggest taking some time to understand any interest, charges or fee’s that will occur as a result.


  • You are in control of this
  • No fees are included
  • If you are successful you only pay one payment
  • Your credit rating may be unaffected and may be repaired


  • Creditors may not agree.
  • Your credit rating can be damaged if you do not meet what the creditors are wanting.
  • It may take you longer to pay back.
  • If your credit rating is already poor a consolidation loan may not be available to you.
  • If you are unable to consolidate all the creditors, this can lead to your situation escalating further.
  • Dealing with this alone can be overwhelming.

Money Helper

Money Helper is an important service set up by the Government. They provide free debt counselling, debt adjustment and credit information.