manage your debt with self help
You could get yourself out of debt by simply communicating with your creditor. We can help with how to do so.
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
You do not need to pay fees to a debt solution company.
You are in control of your debts and assets.
Budgeting, keeping a spending diary and keeping track of debt payment dates can be enough to keep debts on track if your debt difficulties are due to spending habits and lifestyle.
Self-help is unlikely to affect employment like some other solutions may, as long as you keep up with your repayments.
Self-help is not a matter of public record, unlike other solutions which appear in newspapers/on specific websites.
If you wish to negotiate lower monthly debt repayments, you will need to deal with your creditors yourself, which some people may find difficult.
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.
You will still need to pay all of your debts separately; most debt solutions combine these into one single monthly payment.
Managing your own debts can prove complicated and time consuming.
Failure to maintain contractual payment levels may affect your credit rating/score.
we’ve helped over
1,000 people
find debt freedom
customer feedback
how to get self help advice
1. get advice
Speak to one of our friendly advisors and we’ll assess your situation.
2. figure out your options
Your advisor will discuss which solution is best for you.
3. make a plan
We’ll work out a plan and ensure you’re comfortable with it before speaking to your lenders.
4. start your journey
If your plan is agreed, your loan will be set up and you can start your journey to debt freedom.
1. get advice
Speak to one of our friendly advisors and we’ll assess your situation.
2. figure out your options
Your advisor will discuss which solution is best for you.
3. make a plan
We’ll work out a plan and ensure you’re comfortable with it before speaking to your lenders.
4. start your journey
If your plan is agreed, your loan will be set up and you can start your journey to debt freedom.
FAQs
You can try to settle your debt yourself. 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.
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
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.
success stories
We’ve helped thousands of people with their debt and money worries. But don’t just take our word for it.
claire’s story
read claire’s storywhy choose us:
over 1,000 people out of debt
With a proven track record, there’s nothing we haven’t come across before. We don’t judge, just listen and help.
free help and advice
Talking to our advisors is free and secure. Our staff our friendly and are here to help.
online help service
If you don’t fancy speaking to our friendly assistants over the phone, we have an online service to calm any worries you might have.
Visit Money Helper, to help you manage your money and for further advice.
free find debt freedom guide
Our free find debt freedom guide is here to help you establish your money issues and how best to start solving them.
get help with your unsecured debt
We help you manage debts with some of the UK’s biggest creditors.
customer feedback
Dawn Edge6 September 2023Fantastic people to deal with thay could not help me enough would recommend to anyone that has gotten them selfs into a pickle . Well done to all the teamJoanne smith3 August 2023Having alot of debt worry while having cancer has put alot more stress then ever on my recovery, lauren,susan and the care about money team I don't know how I would of coped, they have been amazing for me, now I can hopefully recover with alot less pressure and stress, thank you for all your help and support. Joanne smith xElaine Jamieson20 June 2023Cameron and Scot were very helpful, being very understanding and helping me make the right decisionSimon Packer19 May 2023I was extremely surprised and very happy at the service I got from the company. I was helped along the process to a very very high standard and I would thoroughly recommend this company to anyone who finds themselves in extreme financial circumstances. Thoroughly helpful, friendly.and patient. Full 5 starsCharlene Robins15 May 2023When i called for support everyone was so helpful especially Scott who has been a massive help making me feel at ease and not ashamed about the situation I got myself into. I could have asked for better support or a more kind and understanding person to help. Everything has been explained step by step to help me find a light at the end of the tunnel and a solution to my financial issues.I can not recommend care about money more highly. Thank you 😊sarah howe15 May 2023Really great workers really helped me along the way made me feel not as worried and light at the end thank you for all your help amazing
