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.

get started


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 story

why 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


speak to sarah