Worked examples and checklists

These guides turn the options into numbers and steps you can follow.

Begin with the debt repayment plan checklist. It shows how to list every debt, work out what you can really pay each month, and decide which debts to protect first. It links to the rest of the section.

Then use the guide that fits your situation:

• worked settlement examples with lump-sum and instalment offers;
• debt consolidation maths, including when a consolidation loan costs more than it saves;
• how to negotiate an OTS and what the letter must say;
• which debts to pay first when you cannot pay all of them;
• hardship requests after job loss or illness;
• settle now or keep paying: a decision guide with the long-term cost of a "settled" record.

All rupee figures are illustrative examples, not offers from any lender. Use the settlement offer calculator, repayment plan calculator and consolidation calculator with your own numbers.