You should include any money you owe on credit cards, stores cards and any personal loans you have.
You should not include your mortgage or any loans secured against your home.
Your monthly disposable income is the amount of money you have left each month after you have paid all your essential bills
These essential bills would include things like:
Creditors can be classified as companies that have legal contracts with you granting the lender the right to claim any of your assets you fail to pay back the loan.
This refers to your permanent residence. Please select an option that reflects your current situation.
Whether you're a:
Country Court Judgments (CCJ):
This is an adverse ruling by a County Court against an individual who has not satisfied their credit agreements and who has not made the necessary debt repayments to their creditors.
Arrears:
A borrower is described as being 'in arrears' when they have fallen behind in their repayment schedule.
By clicking "Start your search" you are agreeing to be contacted by a debt management specialist.