From dreading the post to knowing what to do.
Debt Confident is a calm, step-by-step course for iPhone. It takes you from dreading the post to knowing your rights, your options, exactly what to write, and how to build again afterwards.
Free to download. Full course £4.99 one-off. No subscription, no accounts, no adverts.
What's inside
Modules
A course in plain English, from "what do I do first" to building again afterwards.
Tools
An urgent checklist, call scripts, an options finder, a benefits check, a budget and more.
Letter templates
Know exactly what to write to creditors, and keep a log of who you contacted and when.
Data collected
Everything you enter stays on your phone. It works offline. We can't see it.
Free debt guides
Plain-English help on the things people worry about most.
Priority debts: which bills to pay first
Some debts can lead to losing your home, your energy supply or your freedom. Here's how to tell priority debts from the rest.
Breathing Space: 60 days' protection from creditors
Breathing Space can pause interest, charges and enforcement for 60 days while you get debt advice. How it works in England and Wales.
Debt Relief Orders (DROs): who can get one
A DRO can write off debts of up to £50,000 if you have little spare income and few assets. The limits, explained.
Bailiffs (enforcement agents): your rights
What bailiffs can and can't do, what they can charge, and what to do if they're coming.
Debt letters: what they mean and what to do
From reminders to default notices and court forms. How to read debt letters, and why you shouldn't ignore them.
Bankruptcy: the basics
How bankruptcy works in England and Wales, what it costs (£680) and what it can mean for your home and job.
Simple pricing
Free
- Module 1
- Urgent checklist
- Call scripts
- Options finder
- Benefits check
- Helplines
Full course
- Modules 2 to 9
- All 16 tools
- The letter builder and 28 templates
- Your certificate
- No subscription, ever
Questions
What is Debt Confident?
A UK debt-help course and toolkit for iPhone: nine modules, sixteen tools and 28 letter templates, all working offline with your data kept on your device.
What's free and what's paid?
Module 1, the urgent checklist, call scripts, the options finder, benefits check and helplines are free. A one-off £4.99 in-app purchase unlocks Modules 2–9, all tools, the letter builder and your certificate. There is no subscription.
Do I need an account?
No. There are no accounts, no analytics and no advertising. Everything you enter stays on your phone.
Is it debt advice?
No. The app is information, not advice. For free, confidential advice about your situation, contact StepChange, National Debtline or Citizens Advice.