Manage your debt with self-help
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Safe, secure, confidential
What is self help?
Self-help debt means contacting your creditors yourself, explaining your situation, and proposing an affordable repayment plan based on your income. You stay in control, with the option to freeze interest and charges while you stick to the plan.
With our free support you can:
- Build a realistic budget
- Contact creditors using ready-made templates
- Get interest and charges frozen
- Adjust payments if things change
We’re ready to talk
Benefits of of Self Help
Here’s how self-help debt management can put you back in control:
No fees
Every penny you repay goes directly toward your debts, no solution provider fees.
You stay in control
Make your own financial decisions and manage repayments without third-party involvement.
Track your debts
Budgeting, using a spending diary, and keeping on top of payment dates helps you stay accountable.
No employment impact
Unlike some solutions, self-help is unlikely to affect your job if repayments are maintained.
Not on public record
Self-help arrangements are private and won’t appear on insolvency registers or in newspapers.
Direct with creditors
Speak to creditors yourself, negotiate flexible repayment terms, and request interest freezes.
Take back control of your debt
Customer feedback
I was at my wits end dealing with all my debts when I got in touch with CAM... I was really impressed with the advice and time which was given to me from Nathan Jacketts. I have been going around in a cycle of credit card debit for as long as I can remember. I originally wanted a loan, but discovered they are other options available to me that I was not aware of. I now have all my debts consolidated into an IVA paying one affordable repayment of £155 a month. This has changed my life, I now dont have to stress each month managing 5 to 6 separate payments going out each month. I highly recommend CAM and Nathan for not judging me 👍
Highly recommend Care About Money, I had a bailiff at my property over a parking fine at 5.20pm, I found care about money online and gave them a call. Spoke initially with Eli, who was beyond incredible and gave me advice on what I needed to do and what my options were he arranged a priority phone call for the following morning at 9.30 where Justin , was equally as incredible we went through everything thoroughly and he explained my options and started the process. Immediately they contacted the creditors on my behalf and got me legal protection meaning I had time to come up with a plan on what to do but stopping the company/companies from contacting me in any form or removing assets. Every single person I dealt with has so much compassion and genuine empathy. They were so respectful and helpful.
Was quite amazed how quickly, Care about money worked. I was in quite a lot of dept and had many company's I owed money too, thay sorted out all my bills and some I didn't remember and consolidated all my moneys owed into one month's affordable payment, Eli and Dan sorted out my finance to a point where now j feel quite lifted and free from worrying about who was going to knock at my door. So I would like to thank everyone who has made this possible for me. Kenny Emptage
Frequently asked questions
Yes, some people manage their debts alone by negotiating directly with creditors or setting up payment plans. However, this can be time-consuming and stressful, which is why many prefer expert support.
It’s best to prioritise “priority debts” like mortgage/rent, council tax, utilities, and HMRC debts, since missing these can have serious consequences. Secondary debts like credit cards and loans can usually follow once essentials are secure.
Yes, our expert advisors can help you explore every option, from budgeting and self-help to formal debt solutions, so you can choose the path that suits your situation.
resolve your debt problems
in the best way for you.
