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Maximise your income with benefit take up if you are entitled
Explore your circumstances to see if you are entitled to any State benefits that you are not claiming. www.adviceguide.org.uk
www.thepensionservice.gov.uk
www.direct.gov.ukworking taxcredits

Devise a realistic budget
Look at your total weekly or monthly income from all sources. Download a personal budget sheet and calculate your spending needs for each week or month to cover your essential living expenses. Decide if there's anything left to make an offer to your creditors.

Prioritise your creditors
Divide your creditors into priority and non priority according to the action that they may take if you do not pay them. www.adviceguide.org.uk

Make realistic and sustainable offers of payments to your creditors
Offers of payments based on what you can afford rather than what the creditor is demanding. www.adviceguide.org.uk

Explore your legal options
Look at a range of legal options that are available to you on www.adviceguide.org.uk

Get the facts
Factual information on a range of debt related subject from “Bailiffs” to “What happens if you are taken to Court for money you owe” www.adviceguide.org.uk

We can assist you with any of the above

●	Maximise your income with benefit take up if you are entitled
●	Devise a realistic budget
●	Prioritise your creditors
●	Make realistic and sustainable offers of payments to your creditors
●	Explore your legal options