List each debt, including the creditor, balance, interest rate, minimum payment and account reference, and gather recent statements or letters. Note your monthly income and essential spending, such as rent or mortgage, council tax, utilities, food and travel. Mark priority debts, including rent or mortgage arrears, council tax, gas and electricity bills, and court fines, because these can have more serious consequences. Take the checklist to a free debt advice service such as StepChange, National Debtline or Citizens Advice, which can help you understand your options.