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self help

auto-calculators
Here are some easy-to-use tools, designed to help take the work out of resolving your debt problem. Getting to 'know' your financial position is a very real and positive step toward solving that problem.

letter templates
For those who feel confident enough to deal with their creditors themselves, we have compiled letter templates to assist you. You can select and download the letters which best suit your situation.

benefits & entitlements
There are £8bn a year of unclaimed benefits - enough to pay for more than 25 Olympic Stadiums - and you could be entitled to some of that.
If your circumstances have changed you may be entitled to additional or increased benefits which could help to reduce your debt and make a difference to your financial recovery. If you have never claimed benefits before then this calculator is an excellent tool to help find out what you are entitled to and how much you can expect to receive.
Some benefits are means tested whilst others are not, so your entitlements could be different to those of your neighbour, even though you believe your circumstances to be the same.
As with any calculators, you will need to enter accurate data in order for it to correctly work out your entitlements.

If you're still not feeling confident about 'going it alone', don't worry!
You can phone for free advice, or simply click here to find a local advisor.