One of the first steps in starting to manage your debt is to understand how much you owe.You can find out how much you owe by:
Asking your lenders - the organisations you owe money to will be able to provide you with the latest account balance.
Looking through correspondence - if you’ve received emails or letters from your lenders, this may contain your account balances. Many lenders also offer online services, so you can also check your balances through your online accounts.
Checking your credit report - this will show your balances for all the accounts on your credit file including County Court judgments and Insolvency agreements. Lenders usually take 6-8 week to update reports, so this won’t necessarily show a live picture of your debts.
Once you know this, you can share your level of debt with organisations so they can help you figure out your best options.