We’ll ask for details about your income, spending and debts. It’s helpful to have recent bank statements, payslips and letters from creditors but don’t worry if you don’t have everything to hand.

We’ll go through your financial situation, including:

• how much you owe
• who you owe
• what you earn and spend

This is so we can give you advice that’s tailored to your circumstances.

No. Getting advice alone won’t impact your credit score. If you start a debt solution your credit score might be affected. We’ll explain the pros and cons of each option so you can decide what works best for you.