Our debt advice may be different depending on the country you live in. Select your country below to ensure you get the right information.
Breathing Space gives you up to 60 days to get debt advice without making payments to your debts.
Find out about your credit agreement and what information an organisation holds about you.
However you feel comfortable, we can help you make a plan to take control of your debt.
How to deal with being turned down for credit.
Find out how debt can affect your mental health and what to do if you’re struggling.
Learn what happens to someone’s debts when they die.
Things you can do to manage payday loan debt.
Find out how you can deal with persistent debt.
What to do if someone you owe rejects an offer of payment.
Find the best bank account if you owe money.
Find out if your creditor has run out of time to make you pay back a debt.
Use this letter when you need to ask your bank to pay particular bills out of your account from money you have paid in.
Use this letter if your situation has not improved, to ask your creditors to continue accepting your current payment offer.
Use this sample letter to ask your creditors to hold action on your account.
Use this sample letter to ask your creditors to hold action on your account for 30 more days.
Use this letter ask your creditors to hold action on your account while you move your debt management plan.
Use this letter if you want a statement of your account showing what you still have to pay on your credit agreement.
Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge.
Use this letter when a creditor refuses to freeze interest on your account.
Use this letter to tell a creditor that you are in breathing space and to stop collection of the debt
