Please sum up all you owe by way of unsecured loans, credit card bills, store credits etc. Secured loans and mortgages should not be included.

Please specify the number of companies you owe to. This can again include unsecured lenders, credit card companies,store card providers and such whom you are indedbted to.

Gross income less taxes gives net income. If you have an earning partner, include both your incomes.

Approximately how much do you spend each month out of your earning? This should include mortgage and secured loan repayments as well, but not your unsecured debt payments.

Please select the source of income of the primary earner of the family. This will also have a bearing on the exact solution that is arrived at.