3. Tell us about your bills or debts Estimates are fine. Leave unknown amounts blank. Do not include full account numbers, banking passwords or your Social Insurance Number.
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A short summary of your situation Have you received a formal eviction notice, court papers or a legal deadline?Select No Yes Not sure What is the deadline date? A form enquiry does not extend a legal deadline. Please seek timely legal advice if you have received court papers.
4. Your Smartie report and monthly capacity Smartie helps you understand your financial position, what you can realistically afford and the options that may be available to you.
Smartie uses a secure bank connection to give you a clear review of your income and spending. Your report shows your monthly disposable income (MDI)—what is left after the expenses included in the assessment—to help you avoid an unaffordable repayment plan. Once you complete Smartie, your report can be used again and again, reducing the need to repeat an income and expenditure exercise. Your information may need refreshing if your circumstances change or a provider needs an updated report.
The Smartie assessment is free to use and does not impact your credit score. You choose whether to share your report.
Do you have a Smartie report?Not yet Yes, I have my report Is there anything we should know to support you? Are you going through anything that makes it harder to manage your finances or deal with this situation? You can share as much or as little as you feel comfortable with.
Would you like to tell us about any support needs? (optional)Select Yes No Prefer not to say What would help you? (optional) You do not need to share medical details or a diagnosis.
We’ll ask for your permission before contacting anyone on your behalf. Any payment plan or settlement must be agreed with the creditor.
Understand your options