Debt

Anyone can find themselves in debt. Whether you have one small debt or many larger debts, we can help you deal with the situation and sort things out.

What we can do for you

• Assess your financial situation, check your benefit entitlement and give you budgeting advice if needed.
• Help you to deal with any emergencies, such as bailiff action, the threat of eviction or disconnection, court hearings or any other issues needing urgent attention.
• Advise you which payments to prioritise and help you to deal with priority debts such as arrears of rent, mortgage, council tax or fuel.
• Advise you on whether you are liable for the debts and help you challenge your liability where appropriate.
• Assist you in responding to court claims and in applying to court where necessary.
• Having assessed your level of income, your assets and your general circumstances, we will explain all the options available for dealing with your debts.
• We will keep you informed and updated as your case progresses.

You do not need to make an appointment, simply turn up with the information below, and we can help.

We want to help move you forward towards a solution as quickly and efficiently as possible. To allow us to do this, please make sure you have as much of the following information as possible with you:

• your income (such as wage slips, benefit award letters, pension schemes, other income);
• details of your regular expenses (such as rent, council tax, gas/electricity, water etc); and
• details of your debts (bring recent letters or statements).

It does not have to be perfect, but the clearer the information is the more we will be able to help you during the session.

Our Budgeting Tool may help you with this.

You can also access lots of useful information on our Money Advice & Debt page.