Debt advice

Having trouble with debts?

Life sometimes throws us challenges that can cause debts, such a redundancy, zero hours contracts, and changing benefits.

It’s often difficult to understand what’s happening and you may find it difficult to cope. That’s where we come in.

We’re here to help but it’s only by working together that we can get this problem sorted out.

Here’s how our debt team can help

We take time to explain your options and the possible outcomes of different courses of action. We aim to help you manage your problems by identifying the most suitable options.

You’re always in control and we encourage you to make your own decisions.

What we do

  • We assess your financial situation including checking your eligibility for any benefits.
  • We help you with any emergencies such as the threat of eviction, bailiffs, court hearings or any other urgent issues.
  • We advise you which payments to prioritise and help you deal with priority debts such as rent, mortgage, or council tax arrears.
  • We advise you on whether you’re liable for the debts and help you challenge your liability where appropriate.
  • We help you respond to court claims.
  • We assess your finances as a whole including assets and explain all the options available.

How can you help

  • Start by gathering details of your income and the most recent letters from creditors.
  • Then call the advice line.
  • Our advisers will assess your situation and give you advice on any emergencies.
  • They will then refer you for an appointment with our specialist debt caseworkers.

Why come to us

Our debt caseworkers work under the Money Advice contract. They are highly skilled with many years experience of helping people with their debts.

Their work is quality checked by both Citizens Advice and the Money Advice Service.