Introduction About Fight The Debt
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Fight The Debt is a UK-focused online course that helps you take control of your finances and become debt free—step by step.

Across 8 structured modules and 100+ easy-to-follow lessons, you’ll learn how to organise your debts, prioritise what matters, boost your income, cut everyday costs, and build a realistic plan to pay off what you owe.

With expert tips, downloadable templates, and practical guidance tailored to UK laws and support systems, it’s everything you need to move from overwhelmed to in control—starting with the first module completely free.

  1. Module 1: Get Yourself Ready and Understand the Basics

    8 lessons

    1. Welcome

      1. First Steps
      2. Remember: You’re not alone

    2. Understand The Jargon

      1. Unfamiliar Terms

    3. Get to Know Yourself

      1. Which one are you?

    4. Immediate Action

      1. The “Money Leak” You Don’t Even Know You Have
      2. The Bank Statement Scan

    5. Next Steps

      1. Jargon Buster
      2. Mentally Prepare for Module 2

  2. Module 2 - Let’s See What You’re Dealing With

    8 lessons

    1. Introduction

      1. Welcome

    2. Top Tip

      1. Breathing Space

    3. Your Debt

      1. What type of debt do you have?
      2. Gathering all the Information

    4. Helpful Hint

      1. Save Yourself Time

    5. Contacting your Debtors

      1. Starting the Conversation

    6. Summary

      1. Check This List
      2. Next Steps

  3. Module 3: Do You Actually Need to Pay That? What do I pay first?

    11 lessons

    1. Introduction

      1. Welcome to Module 3

    2. Getting Organised

      1. Check if these apply to you?
      2. Check the time limits
      3. IMPORTANT – Phone Calls Only - DON’T EMAIL or WRITE
      4. Statute Barred

    3. What's Next?

      1. Exercise - Updating Your Spreadsheet

    4. Priority Debt

      1. Debts that Demand Attention

    5. Non-Priority Debt

      1. Less Important Debts

    6. Top Tip

      1. Deferring Payments

    7. Summary

      1. Priority vs Non-priority Debt
      2. Next Steps

  4. Module 4 - Handling the Urgent Stuff

    70 lessons

    1. Introduction

      1. Priority Debts
      2. Build a Budget Before You Reach Out

    2. Mortgage Arrears

      1. Introduction
      2. Fallen Behind on Your Payments 
      3. Never Too Late
      4. Don't Forget
      5. Assess Your Financial Situation
      6. Repayment Options
      7. Alternative Repayment Methods
      8. Reducing Monthly Payments
      9. No Agreement Reached?
      10. Letter Template

    3. Rental Arrears

      1. Introduction
      2. Take a Breather: The Government's Breathing Space Scheme
      3. Understanding Your Financial Responsibility
      4. Verify Your Rent Debt
      5. Assessing What You Can Afford
      6. Steps to Boost Your Income
      7. Energy Cost Assistance
      8. Crafting a Budget
      9. Keep up the Repayments
      10. Creating a Repayment Plan
      11. Paying Arrears via Benefits
      12. Discretionary Housing Payments
      13. Homelessness Prevention Funds
      14. Creative Solutions for Financial Strain
      15. Facing Eviction
      16. Letter Template

    4. Council Tax Arrears

      1. Introduction
      2. Don’t Delay—Communicate
      3. Could You Be Eligible for a Reduced Bill?
      4. What To Do If You Can’t Pay
      5. Missed Payments and Reminder Notices
      6. Final Notices and Escalations
      7. The Consequences of Ignoring Arrears
      8. Extreme Measures
      9. If Your Wages Are Affected
      10. What Happens When You Change Jobs?
      11. Letter Template

    5. Energy Bill Arrears

      1. Take Control of Your Energy Debt
      2. Prioritising Your Debts
      3. Crafting a Payment Strategy
      4. Exploring Additional Options
      5. Spotting and Avoiding Energy Scams
      6. Utilising Benefits for Debt Repayment
      7. Initiating the Fuel Direct Scheme
      8. Resolving Disputes With Suppliers
      9. Letter Template

    6. Court Fines

      1. Introduction
      2. Steps to Pay Your Fine
      3. Struggling to Pay? Don’t Panic
      4. What Happens If You Miss Your Payment?
      5. Dealing with Bailiffs
      6. Summoned to Court for Non-Payment?
      7. Legal Representation and Hearing Outcomes

    7. Tax Arrears

      1. Introduction
      2. Exploring a Time to Pay Agreement
      3. What Happens If You Don’t Pay
      4. Be Prepared When Calling HMRC
      5. Offering HMRC a Lump Sum
      6. If HMRC Turns Down Your Agreement
      7. Think Your Tax Statement Is Wrong?
      8. If You or HMRC Made a Mistake
      9. What HMRC Can Do If You Don’t Pay
      10. Letter Template

    8. Top Tips

      1. Mortgage FCA Rules
      2. Approaching Council Tax Arrears
      3. Negotiating with Suppliers

    9. Summary

      1. Know Your Arrears
      2. Next Steps

  5. Module 5: Can You Bring In a Bit More Cash?

    10 lessons

    1. Welcome

      1. Let's Find That Extra Income

    2. Getting Started

      1. Uncover Potential Benefits
      2. Shake Off That Wage Worry
      3. Tax Tips to Keep More in Your Pocket

    3. Extra Income

      1. Thinking Outside of the Box
      2. Energy Bills and Local Support
      3. Support from Charities

    4. Top Tip

      1. Opinions for Cash

    5. Summary

      1. Generating Income
      2. Next Steps

  6. Module 6: Cutting Costs Without Cutting Joy

    10 lessons

    1. Welcome

      1. Uncovering Ways to Cut Costs

    2. Discover Opportunities

      1. Reduce Your Council Tax
      2. Energy Bills – Saving Strategies at Your Fingertips
      3. Cutting Water Costs
      4. Prescription Savings Made Simple
      5. School-Related Expenses
      6. Bargain Hunting for Broadband, Phone, and TV
      7. Travelling for Less

    3. Summary

      1. Costs vs Joy
      2. Next Steps

  7. Module 7: Figuring Out Your Way Forward

    23 lessons

    1. Welcome

      1. Managing Debt

    2. Credit Card and Loan Debt

      1. Unsecured, Non-Priority Debts.
      2. Credit Card & Loan Debts
      3. Personal Loans
      4. Store Card / Klarna / Catalogue Arrears Letter
      5. The Role of the Financial Conduct Authority (FCA)
      6. Steps to Manage Unsecured Debts
      7. Formal Debt Solutions for Unsecured Debts
      8. Your Rights as a Borrower
      9. Dealing With It

    3. Informal Debt Soltuions

      1. There are Multiple Options
      2. Talking with Your Creditors
      3. Understanding Breathing Space
      4. Evaluating Your Financial Situation

    4. Formal Debt Soltuions

      1. Finding the Best Option
      2. Debt Management Plan (DMP)
      3. Administration Order
      4. Individual Voluntary Arrangement (IVA)
      5. Debt Relief Order (DRO)
      6. Bankruptcy

    5. Top Tip

      1. The FCA is Your Friend

    6. Summary

      1. The Path Ahead - Quiz
      2. Next Steps

  8. Module 8: Build Your Realistic Payoff Plan

    12 lessons

    1. Welcome

      1. Moving Forward

    2. Identifying Priorities

      1. Heavyweights: Priority Debts
      2. Non-Priority Debts

    3. The Game Plan

      1. Reach Out to Creditors
      2. Focusing on Your Financial Blueprint
      3. Overcoming Obstacles and Staying the Course
      4. The Power of Persistence

    4. Stay Focussed

      1. Stay Motivated

    5. Top Tip

      1. Proportions Matter: The Art of “Pro Rata” Offers

    6. Conclusion

      1. Turning Over a New Leaf
      2. Please Share This Course
      3. Help Us to Help Others