Debt review guides and money tools

The income, expenses and commitments a counsellor needs to assess.

Weigh the benefits, restrictions and responsibilities before deciding.

Compare what each route involves and the questions to ask about cost.

Understand why these options need different assessments.

Read answers to common worries about the process.

Recognise the borrowing cycle and consider your next step.

Use the register, ask questions and compare the support offered.

Know which charges to ask about before accepting a quote.

Understand how interest affects repayments and what to discuss with a counsellor.

See why postponing a payment can change the amount you repay.

Understand notices, summonses and later collection stages.

Read about repossession, voluntary surrender and the documents involved.

Understand why the stage of an account matters when asking for help.

Read about creditor conduct and your responsibilities under a plan.

Understand the steps to discuss when legal action is a concern.

Learn about the legal documents involved in debt collection.

Read about the assessment of lending and a case described by DRC.

Understand the commitment before guaranteeing another person's debt.

A historical article about changes to credit legislation.

Understand credit restrictions, emergency needs and borrowing after clearance.

Prepare an action plan for an unexpected shortfall.

What to prepare and discuss when your circumstances change.

Understand why a missed payment needs attention before you skip it.

Start with your budget, documents and conversations with creditors.

Read about employment questions to discuss before applying.

Prepare questions about household finances and your marriage contract.

Find out why your legal stage and supporting documents matter.

Understand what can change the length of a repayment plan.

Read about checking your record after completing the process.

A historical explanation of credit information amnesty.

List your income, spending and debts, then check the plan each month.

Prepare a budget and choose a repayment order you can maintain.

Set aside ordinary expenses before deciding what to spend on celebrations.

Use everyday decisions to practise spending and saving.

Consider your own liability before taking credit for friends or family.

Consider transport costs as part of your household budget.

Read the circumstances and repayment figures described in this case.

Read the account-by-account rates and figures described by DRC.

Read this individual account in its original circumstances.

Company news about a community assistance project.