You can start by completing a debt assessment form or contacting a free debt advice helpline. An adviser will review your financial situation and guide you through your options with no obligation to proceed. 

Yes, debt collectors can seek repayment, but there are laws protecting you from unfair treatment. If you’re unsure about a debt or feel harassed, you can get advice and know your rights. 

Initial credit counselling does not affect your credit score. However, some debt solutions like debt settlement or consolidation may impact your credit rating. 

If you’re struggling, it’s important to seek advice early. Options like IVAs or Debt Relief Orders might help reduce your payments or write off some debt. Bankruptcy is a last resort with serious consequences, so it’s best to explore all alternatives first. 

There are several debt solutions including Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and bankruptcy. Each option has different criteria and impacts, so it’s important to find one that fits your situation. Speaking to a debt expert can help you understand your best options. 

Getting debt advice is usually free and confidential. If you enter into a formal debt solution like an IVA or DMP, there may be fees included in your monthly payments, but these will be explained clearly before you commit. 

You’ll typically need details about your income, expenses, and all your creditors (who you owe money to). This helps advisers assess your situation and recommend the most suitable solutions.