Debt Confident: Sort & Build

Debt, understood. Debt Confident is a calm, step-by-step course for anyone in the UK who owes money. It takes you from dreading the post to knowing your rights, your options, exactly what to write, and how to build again afterwards. Go at your own pace. START WHERE YOU ARE Tell the app what is happening right now and it points you to the right place: • Bailiffs, court papers, eviction or disconnection: go straight to the urgent checklist • Missing payments and letters piling up: start at Module 1 • Coping but want to get ahead: start with your budget NINE MODULES Priority debts, budgeting, your rights, negotiating with creditors, court and bailiffs, debt solutions, rebuilding your credit, earning more, and building again. KNOW EXACTLY WHAT TO SAY Word-for-word scripts for when a creditor phones, a bailiff is at the door, or you need to call the council or your energy supplier. 16 PRACTICAL TOOLS • My debts: list everything and see what is priority and non-priority • Income and expenditure calculator in the format creditors recognise • Bank statement import that fills in your budget and finds forgotten subscriptions • Offer calculator to share what you can afford fairly • Debt-free planner comparing snowball and avalanche • Letter builder with 28 ready-to-send letters • Benefits check, contact log, key dates, savings goal, credit rebuild tools and more PRIVATE BY DESIGN Everything you enter stays on your phone. No account, no sign-up, nothing sent anywhere. FREE HELP, ALWAYS Module 1, the urgent checklist and a full directory of free, confidential UK advice services cost nothing. One payment of £4.99 unlocks everything else, for good. No subscription. PLEASE NOTE Debt Confident provides general information to help you understand debt in the UK. It is not regulated debt advice and cannot take your personal circumstances into account. Before choosing a debt solution, speak to a free, FCA-authorised debt adviser.