Want a loan NOW? Click here to email Call 0800 195 6762 Press CALLBACK Want a Debt Management plan NOW? Click Here to Email Call 0800 195 6762 Press CALLBACK

Step 1.

Visit Am I Insolvent to see if you are insolvent.

Or Download “how to Use this Site“ flowchart

Step 2

Make a list of all of your debts (yes all of them) as accurately as you can. Make a list of any assets. Draw up a financial “Statement of Affairs” - see here for a guide. Financial Position

Step 3.

Work out what your personal objectives are – for example do you want to avoid bankruptcy? Click here to go to our personal objectives guide page then write them down. For example

• I want to avoid bankruptcy because I own my home.
• I do not have a home but want to avoid bankruptcy because of my career
• I do not mind if I go bankrupt

Step 4.

Then look at your options a guide

Step 5.

Write down the options that look the most appropriate. Then read about them in more detail.

Step 6.

If you feel more comfortable after the above steps, why not call Debtless on 0800 195 6762 if you have any questions or you want us to help.