Step 4 Dealing with your non-priority debts

​Next steps...

You are now at the end of step 4. We hope you have been able to follow the steps easily and now feel better able to deal with your debts. There is a lot more help available if you need it.

Sample letter generator

We have a wide range of sample letters which you can personalise and send on topics including:

  • negotiating with your creditors
  • asking for information about your debts
  • making payment instructions
  • complaining about your lender
  • dealing with mortgage shortfall debt.

The letters allow you to add extra information, such as your name and address, an offer of payment, or an outline of your personal circumstances.

Help boxes give you more information on what to include in each letter.

Fact sheet library


We have a range of over 30 fact sheets in our fact sheet library. These give more detailed advice on the following topics:

  • particular debts
  • court action
  • dealing with creditors
  • debt options
  • business status
  • other matters, like homelessness.









Remember - you can always contact us for help, information and advice on 0800 197 6026.