This general information does not replace an assessment of your circumstances or legal advice.
More than a debt total
A large balance alone does not tell the whole story. The key question is whether obligations can be met on time after reasonable living expenses.
Common warning signs
Repeatedly borrowing for essentials, missing instalments, relying on one account to pay another and having no buffer can signal serious pressure.
Assessment uses the full picture
Income stability, dependants, essential costs, secured debts and credit instalments all matter. Use accurate figures rather than optimistic estimates.
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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