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Debt Advice
We understand that debt can often arise unexpectedly, such as when you have lost your job, become ill, and/or had a change of circumstances in your family. We offer free, friendly, impartial advice to help you ease your financial worries. If you are struggling to repay your debt, our debt team can help you find a solution to get out of it.
How can we help?
Utility arrears such as gas, electricity and water
Long-term options for your debt problems
We will provide referrals if needs be
Council Tax arrears
Including support to apply for a Council Tax Reduction.
Catalogues, credit cards and payday loans
Bailiffs
​Including how to deal with a bailiff, what are your rights and assistance with the bailiff complaint procedure.
Problems affording your essentials bills check
We will provide a possible benefit check and debt management
Working with you to maximise your income capabilities
We will provide a possible benefit check or check your financial capabilities
What we can't help with
Challenging parking fines
Challenging benefit over-payments
Our Benefit Team can help with this
How will we help you?
The process will involve:
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1. Collecting all the information about your debts
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2. Check if you have to actually pay it
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3. Work out which debts are the most urgent and deal with those first including bailiffs
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4. Check whether there are any options for getting out of the debt
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5. Helping you to make a plan to pay your debt​
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6. Provide you with tips to help reduce your regular living costs by completing a financial statement and referring you to appropriate schemes
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7. Check if you can increase your income (we have a team of Welfare Benefit advisors who can offer you a benefit check to see if there are any benefits you are not claiming but entitled to)