Most people get into debt at some point in their life. Debt has become part of everyday life and it may not be a problem unless it gets out of control or becomes unmanageable. There is a practical way to dealing with money problems and we hope to show you how you can get to grips with your problems by following the steps below.

If you have rent arrears or owe council tax you should contact us about this as soon as possible on 0121 717 1515.

 

 

Step 1 – How your income is paid to you

  Is your income paid into a bank or building society account? If… Read more

Step 2 – Find out how much you owe

  There is a saying, ‘knowledge is power’. When it comes to getting… Read more

Step 3: How much you owe

Lots of people are in debt because they don’t receive all the money… Read more

Step 4 – What debts should you pay first?

  Before you start step 4 you should: know exactly what you owe;… Read more

Step 5 – Work out your budget

Decide whether to budget weekly or monthly If you get your money on… Read more

Step 6 – Work out what to pay to non-priority creditors

  Once you have worked out your budget (which should include what priority… Read more

Step 7 Making offers to non-priority creditors

Before you offer to pay your non-priority creditors you should have followed steps… Read more

Frequently Asked Questions

  Once you have made the offers to your creditors, if all goes… Read more