How can I reduce my debt?

Using credit is part of modern life, but if something goes wrong and you find you are unable to keep up with repayments then you should seek independent advice. Be very wary of companies that offer to make your debts go away or fix your credit rating – for a fee.

We can help look at where your money is going and whether there are ways to increase income and reduce expenditure, and advise if there are options for reducing your debt that won’t leave you at risk of spending money without really reducing your debt at best, and at worst, owing even more money than before. If you are experiencing problems with repayments see the debt section for more information about dealing with debt.