A sudden drop in household income caused by a job loss or reduction in hours at work can create financial difficulties for anyone.
Likewise, any increase in your household outgoings such as your mortgage payments or utility bills can soon make your debts unmanageable.
The starting point for any debt solution is to work out your disposable income (your total household income minus your living costs). If the total of your credit repayments is greater than your disposable income, we can help by making your credit payments fit within your budget.
To work out your disposable income please complete the budget calculator below. It may be useful to check through our bank statement whilst doing this.