Advisers help clients resolve debt-related problems (other than most business debts) that they may face. These include:

• Arrears on essential services
• Bailiff action
• Council Tax arrears
• Debt Relief Orders
• Inability to repay credit or loans
• Mortgage arrears and repossession
• Personal bankruptcy
• Rent difficulties

Initial advice is given through our Reception Desk. For more information, click the links to HOW OUR SERVICE IS DELIVERED and CONTACT US.

For more in-depth advice and casework, the adviser will need to check whether you meet our funding criteria before an appointment can be booked. For more information, click the link to HOW OUR SERVICE IS FUNDED.

Advisers prioritise debts, maximise income, prepare a financial statement showing income and essential expenses and then agree a plan for coping with the debts with the client. As debt problems can be complex, this may require extensive long-term work.

Advisers may also be able to assist with court appearances.

Click this link to our ANNUAL REPORTS to see case studies giving more information about the type of work carried out by our specialist debt advisers.

For business debts, click the link to BUSINESS DEBT LINE.