Back
to Your money
We know that debt is overwhelming…
If you’re in debt, you need to take action
quickly to stop the situation getting any worse. It is vital
that you contact us to let us know if you are, or expect to have
problems paying your rent. It is also important that you gain
independent advice to address the problem.
A Debt Advisor will help you to:
— deal with
any debt problems
— help you to manage essential payments
— advise you on priority debt and non-priority
debts
— negotiate with the people you owe money to
(your creditors)
on a reasonable
repayment plan
— carry out a benefit health check to maximise
your income
— advise you on the best way forward.
To access free, independent
advice find your nearest Citizens Advice
Bureau
and book an appointment.
Alternatively call the National
Debtline on 0808 808 4000 for free, independent
advice (Lines are open Monday to Friday 9am-9pm or Saturdays
9.30am–1pm)
or visit their website.
Preparing to meet a Debt Advisor
Make a list of all the people you owe money to (your
creditors) and how much you owe. Find the original loan agreement,
or the last statement or bill you’ve been sent. If you’ve been sent
court papers or letters that seem urgent, get help straight away.
You’ll also need proof of the income that you’re getting, such as
your pay slips or benefit statements.
Useful
Tips
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√ Do
get professional advice
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Χ Don’t ignore the problem
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√ Do make a list of everyone you owe money to and let
them know that you are having problems
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Χ Don’t borrow more money to repay your
debts
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√ Do prioritise debts and pay these first
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