Debt

All our advisers are trained to deal with basic debt problems. We also have a specialist dealing with multiple debts.

We can

  • advise on liability for debts,
  • look at ways of increasing your income,
  • help you come up with a financial statement for your creditors,
  • help you negotiate payment arrangements you can afford.

If things have been left for some time, you may feel overwhelmed and unable to cope. We can often help you negotiate some time to come up with a payment arrangement, for example if the bailiffs have visited.

It is rarely too late to get advice, but the sooner you ask for help, the better. Many people are embarrassed about debts. We don’t make judgements about people or their situations – we are simply here to help in any way we can, but we can’t give you accurate advice without knowing about the whole situation. If you prefer to deal with the situation yourself, we can provide all the information you need and guide you through the steps you need to take.