Threatened with bailiffs
Letters, visits, or enforcement action can feel urgent. An enquiry lets someone talk through what may still be open to you.
United Kingdom · Free and confidential
Are you struggling with debt?
You are not alone.
Being threatened with bailiffs, or struggling to keep up with payments?
Our advice is 100% free of charge
There is no judgement, and you are not obliged to take anything further.
Free enquiry · Step 1 of 3
33%
How much unsecured debt do you have?
An estimate is fine. Include credit cards, loans, overdrafts, and catalogues. Leave out a mortgage or car finance secured on your home or vehicle.
Secure enquiry. We only use your details to respond to you. No judgement, and nothing to pay for this conversation.
- No judgement
- Debt happens for ordinary reasons. You will be spoken to with respect.
- No obligation
- The call is a conversation. You do not have to take anything further.
- You come first
- Your circumstances lead the discussion, not a script or a target.
- Understand your options
- The aim is clarity: what may be possible, and what it would mean.
We can look at enquiries where unsecured debt is £2,000 or more. If yours is less than that, the form will show where to get free help.
Why people enquire
A difficult month can turn into a difficult year.
People come to us when repayments no longer fit, when creditors are pressing, or when they want a clear view of what is possible before things go further.
Struggling with payments
If repayments are slipping, or you are choosing which bill to pay, you are not the only person in that position.
Several debts at once
Credit cards, loans, catalogues, and overdrafts can become a pile of direct debits. Some arrangements bring eligible debts into one monthly payment.
No judgement. No obligation. You come first.
Understand your options before you commit to one. The enquiry itself does not put you into a debt solution.
What a conversation can cover
Practical next steps, explained plainly.
Interest and charges
A debt solution can sometimes include asking creditors to freeze interest and charges. Agreement is not guaranteed, and it depends on your situation.
One monthly payment
Multiple debts can sometimes be brought into one monthly payment, instead of several separate amounts leaving your account on different days.
A path that is not bankruptcy
Bankruptcy is one route, not the only one. The call is there so you can understand the differences before you decide.
One monthly payment usually relates to unsecured credit. Priority bills — rent or mortgage, council tax, and gas and electricity — are treated differently and still need to be paid. Outcomes depend on your income, the type of debt, and where you live in the UK. Nothing on this page is a promise that a creditor will agree.
How it works
01
Tell us about your situation
Share an estimate of your unsecured debt, what is happening, and the best number to reach you. It takes about a minute.
02
We tell you your options
We continue when unsecured debt is £2,000 or more. Below that, we will point you to free support rather than book a call.
03
We are with you every step of the way
Someone talks through your circumstances. There is no judgement and no obligation. You can stop at any time.
Questions
Before you leave your details.
If your debt is under £2,000, please use the free services below rather than the enquiry form.
- MoneyHelper
Free, impartial guidance set up by government
- StepChange Debt Charity
Free debt advice and a personal action plan
- National Debtline
Free debt advice by phone and webchat
Is the enquiry free?
Yes. There is no charge to leave your details, and no obligation to continue. After the call, you decide whether you want to go any further.
What if I owe less than £2,000?
We are not able to help when unsecured debt is under £2,000. Free, impartial support is still available from MoneyHelper, StepChange Debt Charity, and National Debtline.
Can I enquire if bailiffs have been in touch?
Yes. Tell us what is happening and someone will call to talk through what may be open to you. If an enforcement agent is at your door today, deal with that visit first or contact a free advice service straight away. Do not wait for a callback.
Will my interest be frozen?
Some debt solutions include asking creditors to freeze interest and charges. Creditors do not have to agree, and it depends on your circumstances. Nothing is promised before someone has spoken with you.
Can multiple debts become one?
Some arrangements bring credit cards, loans, overdrafts, and catalogues into a single monthly payment. Priority bills such as rent, mortgage, council tax, and energy are treated differently and still need to be paid. A specialist will explain what applies to you.
Do I have to go bankrupt?
No. Bankruptcy is one option among others. The call is a chance to understand what may be available. You do not have to choose anything.
Will this affect my credit file?
A debt solution can affect your credit file, sometimes for several years. That will be explained before you agree to anything. Sending this enquiry is a request for a call. It is not itself a debt solution.
Who will call me?
Someone from SteadyWay Support, or a debt solution provider we introduce you to with your consent. Your details are used to respond to this enquiry. They are not sold as a marketing list.