Your journey with Consolidebt
A clear route from first conversation to an informed way forward.
We keep the initial process straightforward and only ask for detailed financial information once we believe our service may be appropriate for you.
- 01
Tell us what's happening
Your free initial review will typically take around 10–15 minutes. Approximate information is enough initially, and you do not need bank statements or identification simply to enquire.
- What has changed
- Your approximate income and repayments
- The types of debt involved
- Any urgent creditor or legal contact
- 02
Understand your financial position
Where appropriate, we move to a detailed financial assessment of income, reasonable essential household expenditure, existing commitments, repayment status and supporting evidence.
“What level of overall repayment appears sustainable after reasonable household and essential expenditure?”
- 03
Explore the options
Depending on your circumstances, possible routes may include debt rescheduling, debt management, creditor negotiation, appropriate refinancing or another more suitable course of action.
Consolidebt does not provide loans or credit.
- 04
Authorise Consolidebt
If our service appears suitable and you choose to proceed, secure onboarding can include relevant agreements, financial evidence and authority to communicate with relevant creditors.
This authority does not allow Consolidebt to take out new borrowing or operate your normal bank account.
- 05
We work with relevant creditors
Where appropriate and authorised, we can present your financial position, provide supporting information, discuss possible arrangements, receive responses and follow up.
Creditor acceptance cannot be guaranteed.
- 06
Agree, manage and review
Where an appropriate arrangement is agreed, we explain it, support implementation, manage relevant ongoing activity and review material changes in circumstances.
Where ongoing payment-management services form part of your arrangement, the relevant payment process and account structure will be explained to you before the service begins.
You remain in control.
Nothing is sent to your creditors until you have decided to proceed and given us the appropriate authority to act.
A clearer way through debt.
Ready for your initial review?
Your initial review is free, confidential and carries no obligation to proceed.