1. Assess your indebtedness: our friendly, easy to use and anonymous indebtedness assessment tool may be used to work out whether you need help to restructure your debts, udjust your budget or make arrangements with debt collectors. Alternatively you can speak to one of our friendly Helpline Agents who can help you assess your situation. By completing the Debt Assessment & Budgeting Tool or filling in our financial wellness forms, honestly and thoroughly, and by both partners in the home, will provide you with a detailed assessment of your situation.
2. Don’t leave it until it’s too late: once you have assessed your situation TAKE ACTION. It is possible that you are only on the brink of being over-indebted. Use our Debt Assessment & Budgeting Tool to bring your debts under control OR speak to one of our Helpline Agents who will will discuss various options with you. If you appear to be terminally over-indebted you need to ACT FAST.
3. Admit you have a problem, tell someone you trust. If you have kept your debts secret from your partner or spouse, TELL THEM NOW. A problem shared is a problem halved.
4. Don’t ignore the problem. It won’t go away. You are not alone and there is help at hand.