Debt Solution Triage Tool

Check your debt position with our free interactive tool. Find out what debt options, solutions, and statutory protections may be available to you.

For residents in England & Wales

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Quick Calculator ×

1. Residency & Jurisdiction

Do you live in England or Wales?

Lived or traded in England & Wales for 3 years?

2. Emergency Check

Are you facing any immediate emergencies? ? Immediate emergencies include eviction, bailiffs, court dates, or utility disconnection.

Select all that apply:

Eviction / Possession

Enforcement Agents

County Court Claim

Committal to Prison

Disconnection

Statutory Demand

Court Hearing

Charging Order

3. Financial Details

Need assistance determining your surplus figures?

Open Free Online Budget Tool

Total Unsecured Debt (£) *

Monthly Disposable Income (£) *

(Surplus amount remaining after all priority living costs)

Are your financial circumstances likely to improve in the next 6 months?

Do you have a CCJ? ? A formal County Court judgment issued against you.

Number of Debts

4. Assets & Equity

Are you a Homeowner?

Do you own a Vehicle?

Estimated Vehicle Value (£) *

Is this vehicle on Hire Purchase?

Is there more than 1 year left to pay?

Is it adapted / modified for disability?

Other Assets (Savings, Shares, etc)?

Total Asset Value (£) *

I have a Lump Sum available

5. Roles & Contracts

Formal insolvency may impact your legal eligibility for specific employment positions or trigger termination clauses in agreements.

Please select any roles that apply:

Company Director

Charity Trustee

Hire Purchase Arrears

6. Insolvency History & Status

Are you currently in a formal debt solution?

Is your IVA Failing?

Have you had a Debt Relief Order (DRO) in the last 6 years?

7. Breathing Space

Used Breathing Space in last 12 months?

Receiving Mental Health Crisis Treatment?

Money Advice Hub is authorised & regulated by the Financial Conduct Authority. A not for profit community interest company registered as Legal Eyes Collective CIC in England & Wales, limited by guarantee. Registered office: Money Advice Hub, 95 Regent Street, Cambridge, England, CB2 1AW.