Print or save

Paper and downloads can be found by others. Only keep a copy if it's safe for you.

The sheet has no name, logo or service on it, so it reads like your own notes.

Notes for a call

Have ready

A list of your debts and bills, including any in joint names.
Recent statements, if you have them.

First thing to say

Hi, I've separated and I'm worried about debts, including some that may be in joint names.

Questions

Which debts should I deal with first?
Am I responsible for debts in joint names?
Can I ask my lenders for hardship help?
What can I do about a debt I didn't agree to?

I can hang up at any time. I don't have to give my name.