This general information does not replace an assessment of your circumstances or legal advice.
Start with reliable income
Use net income that actually reaches the household. Separate stable earnings from irregular or uncertain amounts.
Protect essentials
List housing, food, utilities, transport, medical needs and dependants before discretionary spending. Use recent statements to avoid guesswork.
Turn the budget into action
Remove avoidable costs, set realistic weekly limits and seek professional assessment early if contractual repayments still cannot be maintained.
What to do next
If debt repayments no longer fit after reasonable household expenses, gather accurate statements and request a confidential assessment. Asking for information does not automatically place you under debt review.
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