I’m finally getting help with my debts. How do I prepare?

A one-page summary of what you owe and a list of questions, ready for your first debt advice session.


When to use
Before a first appointment with a debt adviser, a credit counselor or a free debt advice service.
Time
20 min

Read this first

This prepares you for a qualified debt adviser. It does not replace one. Many countries have free, regulated debt advice services.

The prompt

I’m preparing to speak with a debt adviser in . Don’t tell me which debts to pay first or which arrangement to choose. That’s the adviser’s job. Ask me up to eight questions, one at a time, about what I owe by type of lender, rough balances, interest rates if I know them, what I pay each month, anything overdue, my income and essential costs, and what worries me most. I’ll use round numbers and leave out account and reference numbers. Then write a one-page summary I can hand over: anything with a deadline first, a table of the debts, a short monthly budget, my main worries, and six questions to ask the adviser. Mark every figure I wasn’t sure of, list the documents to bring, and say where something depends on rules in my country that you can’t confirm.

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