Arranging debt repayments with creditors

You’ll need to put together an accurate budget first. Once you’ve put together a budget that’s manageable you’ll know how much you can realistically afford to pay towards any unsecured debts, after taking care of your essential living costs.

If you’re not in arrears with your creditors, you must try to keep up with your contractual payments, unless your budget suggests you can’t afford to continue paying the amount they want.