If gambling is anywhere in this

This gets its own step because it is common, because people leave it out of the conversation, and because it changes what help you need.

If you are gambling, or have been, or are borrowing in order to gamble, the debt advice on its own will not hold. The money will rebuild.

It has specialist treatment and that treatment works. There are free services in most countries specifically for it, separate from general debt advice, and many debt advisers will refer you straight to one.

This course does not treat it and is not going to try. Saying it once, to one person qualified, is the whole of what this step is asking.