Personal debt

What we can do

Our aim is to offer a free, impartial and confidential money advice service which will actively help and assist any debtor who approaches us with a genuine desire to deal with their debt problems in a way which is affordable, fair and reasonable.

How we will do it

We will sit down with you and compile  a complete and accurate picture of your current financial situation without regard to how or why your debts came about in the first place, but rather with focus on feasible and available routes out of debt, of which there are many

With your consent, and on your behalf with your interests in mind, we will engage with your creditors, statutory agencies and any other relevant third party, to steer you towards a solution which will as far as possible leave you debt-free after a reasonable period of time. Being a long established Money Advice Unit we have a large bank of existing clients who either have an ongoing contact through the Debt Arrangement Scheme or voluntary plans.

As well as helping with your immediate problem, we can assist you with general financial capability education so that you are better able to budget and manage your finances in the future.

Other issues

Un-manageable personal debt is rarely an isolated issue in your life, but more often than not can be tied in with other matters such as housing, employment, consumer and relationship factors. We will strive to deal with the whole problem in an holistic manner, not just the problem the client comes to us about. For example, a client who has council tax debts is more than likely to have rent/mortgage arrears, a bank overdraft, possibly payday loans and other outstanding credit.

Our approach

If you become a client with us, this holistic approach that we take offers you the opportunity to emerge from your engagement with us in possession of a balanced raft of life skills which will equip you to take effective control of your affairs in the future.