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Anxiety arises from uncertainty. If you don't know the outcome of a situation, it's human nature for the mind to imagine the worst possible scenario.

So, if you have a question about money, budgeting, creditors or bills that's not answered here, you can ask one of our counsellors. You'll receive a fast, personal response to your question based upon their years of experience.

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CLICK HERE TO ASK
YOUR OWN QUESTION

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Click here for immediate help and support  


"I was in a panic and my counsellor was so helpful. Not once did I feel a failure. I also had an email address given to me which was a great help. Everything she told me came right in the end."

Legal
Am I liable for my partner's debts?
If I die, does the debt die with me?
What should I do if I receive a Sheriff Court Citation?
When can a creditor take me to court?
What should I do if I can't afford to pay the amount set by the court?
What effect will a decree have on my ability to obtain credit?
How can I find out what is on my credit file?
What happens if I fail to make payments under a Decree?

Creditors / Collections
It feels like my creditors are harassing me, what are my rights?
What action can my creditors take against me?
What should I do if my account has been passed to a Debt Collection Agency?
What if they're threatening to send a collector to my house?
What should I do? They want the balance in full
What should I do? I've received a Default Notice
What should I do? I've received a solicitor's letter

Benefits
Where can I find out how much benefit I am entitled to claim?

Debt Management
What is a Debt Management Plan?
What are the benefits of a DMP?
How much will a DMP cost?
Can anyone have a DMP?
How long will a DMP last?
Will my payments remain the same throughout the life of the DMP?
How will I know my creditors are being paid?
What effect will a DMP have on my credit rating?
Will my creditors stop charging me interest if I set up a DMP?
Do my creditors have to accept the payments I offer them?

Sequestration
What is Sequestration?
How does Sequestration work?
How long does Sequestration last?
Will they take everything I have?
Who will know?
Can I have a Bank Account during my sequestration?
Will I lose my job / pension?
What will happen to my credit rating?
Where can I get more information?

Protected Trust Deeds
What is a Protected Trust Deed?
What are the advantages of a Trust Deed?
Are there any disadvantages to a Trust Deed?
How do I get a Trust Deed?

Debt Arrangement Scheme
What is the Debt Arrangement Scheme or DAS?
What is an approved money advisor?
Who is the DAS administrator?
Who is eligible?
How do I find an Approved Money Advisor?
What if my circumstances change?


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LEGAL NOTICES      GLOSSARY