Work out how long you will need to pay Step 1: add up how much you owe to all your priority and non-priority debts (Box 32 and Box 34 in Your full budget). Step 2: divide this figure by the amount left over for your creditors (Box 31 in Your full budget). Step 3: divide the figure from Step 2 by 12. Example Jay owes £2,700 to his creditors and has £75 available to pay them each month. £2,700 divided by 75 = 36 months to pay (Step 2). 36 divided by 12 = 3 years to pay (Step 3). What to do after you have chosen your debt solution What you do next will depend on which debt solution you have chosen. If you are looking at any of the following solutions, you will need to contact your non-priority creditors yourself. • Negotiate with your non-priority creditors. • Write off the debt. • Full and final settlement offers. If you chose any of the solutions listed above, you will also need to fill in the Summary budget for creditors. This is a summary of your financial position which you use when you contact your creditors. Unless you have done this already, see Summary budget for creditors on page 49 for how to fill in this budget. If you are applying for a charitable grant payment, you may need to send evidence of your financial position with your application. Use the Summary budget for creditors to do this. If you have chosen any other debt solution, our detailed fact sheets will tell you what to do next. If you are still unsure, contact us for advice. Page 84