Personal debt

Helping you to regain control of your finances

Debt is something we all experience at some stage in our lives. Managed carefully, it can form an effective part in your financial planning, but sometimes unexpected events can cause it to become out of control.

Don’t worry, no debt problem is unsolvable, but the earlier you act the easier it is to tackle.

We understand how quickly life can throw you a curve ball. We also understand how money worries can quickly impact other areas of your life including your work, family and friends. That's why when we work with you, the first thing our advisers do is listen.

• What if I lose my house or my job?
• I feel like I’m just getting by financially
• What if I need to borrow money from friends and family again?
• Because of my money situation, I feel like I will never have the things I want in life

If you are having a similar conversation with yourself, it’s time to regain control of your finances and we’re here to help you do that.

Getting you back on track

Our experienced money advisers are based throughout the UK and are on hand to listen, empathise and advise. We have extensive experience in resolving personal debt issues and we’re here to help you navigate through this difficult time, getting you back in control and feeling confident about your future.

We’ll start by helping you draw up a realistic budget before explaining all of the options available to tackle your debt issue. We’ll carefully explain the pros and cons of each option and you’ll select the option that suits you best.

Let’s get started

To get started, fill out the short form below to arrange for a call-back at a time that suits you. If you’re ready to speak to someone now, get in touch on: 0800 111 4071 (freephone) or at: moneyadvice@jcca.co.uk.

Our team of friendly advisers are ready to help you.

The debt solutions available differ depending on your location, different laws apply in Scotland and England. We'll run through all options available to you when we assess your situation, but if you are interested in an overview of the possible options in Scotland, just click on the banner below.

Johnston Carmichael is authorised and regulated by the Financial Conduct Authority. FRN 809465.