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Dealing with your debts

Four simple steps to dealing with your debts

Using this website will help you take four important steps to deal with your debts. Following all four steps will take some time, but it will help you deal with your debts. So don’t give up. Contact us for help as often as you need to.

Before working through the steps you should read getting started.

  1. Increase your income
  2. Work out your business and household budget
  3. Deal with your priority debts
  4. Deal with your non-priority debts

Calls to Business Debtline are free from landlines. If you are calling Business Debtline on a mobile phone, most networks will not charge you for the call because you are ringing a Freephone number helpline.

If you are deaf, hard of hearing or speech impaired, you can call us using the Text Relay service. Business Debtline also uses a telephone-interpreting service. This means our advisers always have access to professional interpreters over the phone in 100 languages. If you do not speak English, it takes just a couple of minutes to get an interpreter on the phone, who will translate accurately what you and the adviser are saying to each other.

Itemised phone bills

Your phone calls to Business Debtline may be listed on an itemised phone bill. You need to remember this if your call is confidential and someone else may see your phone bill.


To protect your confidentiality, Business Debtline does not use ‘caller display’ equipment. This means advisers cannot see your number displayed on a screen when you ring. We also have a permanent block on the ‘caller return’ service. This means that if we ring you back, the Business Debtline number will not be announced as the last number to ring you to anyone dialling ‘1471’. This is in case you don’t want anyone to know that Business Debtline has contacted you.

Step 1

Increasing your income

Step 2

Your business and household budget

Step 3

Your priority debts

Step 4

Your non priority debts