Credit card debt spiralling out of control?

Northern Ireland has a serious debt problem. According to research by debt charity Step Change, the average amount of debt in Northern Ireland has now reached £14,367 and it’s growing.

Credit card debt is the most common form of unsecured debt people here are struggling with, with more than two thirds, 67.2%, of people who seek debt advice dealing with more than £8,000 in credit card debt.

With wages stagnant since the financial crisis a decade ago and the cost of living continuing to rise, it’s no surprise that many people have been forced to turn to credit just to make ends meet. With inflation rising and no sign of wage growth, the situation could still get worse.

In fact, with speculation mounting that the Bank of England might raise interest rates soon, many borrowers could find themselves having to pay more if their lender choses to pass on some or all of the increase to their customers. This won’t affect the rate you’re currently paying on existing loans, but if you borrow more money you could find it more expensive.

If you’re one of those people struggling with unmanageable credit card debt, there are options, however.

At Get Help With Debt, we can write off thousands of pounds in debt and help you to manage the remainder, so it’s affordable for you.

Go online to our website and take our free online assessment, then book your free, no obligation consultation with one of our debt advisors to find out how we can help you.

Once you’ve met with your advisor we can present you with a range of bespoke solutions and you can make an informed decision about what approach is best for you. After that we do all the hard work, handling all third party communications for you, so you don’t have to deal with your lender anymore.

So, if you’re in Northern Ireland and struggling with debt you can’t afford, go to and start the process of moving on from your debts.