Understand the formal process for restructuring repayments when your income cannot cover your debts and necessary living costs.
Start here for eligibility, the steps involved, borrowing restrictions and completing a repayment plan.
Find the right help for your debt
Your next step depends on your income, repayments and whether you have received any legal notices. Use these guides to understand the support available before deciding to apply.
Explore our services
Find out what a registered debt counsellor assesses, what to prepare and what support you should expect.
Debt counselling and debt review commonly refer to the same formal service. This guide focuses on working with a counsellor.
Explore help with your budget and payment arrangements when you need to address debt pressure.
Check whether an informal arrangement is suitable and how it differs from formal debt review.
Understand what to consider if you have money available to make a settlement offer to a creditor.
An offer needs creditor agreement. Read about the process and the written confirmation to request.
Make a household budget using your take-home income, essential expenses and current repayments.
Useful if you want to see where your money goes or prepare for an assessment.
Find information for employers looking to help staff understand their finances and find appropriate debt support.
Read about the programme and contact DRC to discuss your organisation.
If a payment or legal notice is urgent
Have the notice, account details and any response date ready. Your next step depends on how far the matter has progressed.
If you want to understand your figures first
Our free calculators can help you organise your budget and compare scenarios. Their estimates do not confirm eligibility or replace an individual assessment.
Talk through your situation
You can ask DRC for a free initial assessment. Explain what you owe, what you can afford and what has changed. The team can discuss the next step and any fees before you decide whether to proceed.
Sending an enquiry does not place you under debt review.