Unfortunately, debt has become a common issue that is dealt with on a day to day basis by the staff and volunteers at the Centre. We have been able to assist thousands of people begin to get their life in order, advising how to keep debt collectors away from their door, prioritising debts, negotiating payments and helping them to avoid court action.
It is not a crime just to owe money ; it is never too late to tackle your debts. Lots of people solve their problems by using our self–help pack.
A self-help pack is available from the Centre, so that you can begin to make some sense of what you owe, and begin to prioritise payments.
Drop-in sessions are run at the Centre, where you can get initial advice and a plan of action can be agreed.
There are few basic rules that can help:
Tackle your priority debts first- those debts which mean you can lose
your home, or have your electricity or gas cut off.
Contact your council as soon as you begin to experience issues paying your Council Tax. Make them aware of your situation and try to negotiate a payment plan with them.
Our experienced Debt Support Worker can go through your debts with you and offer repayment terms to your creditors.
Free debt counselling, debt adjusting and providing information on credit services is also available from the Money Advice Service; more infromation is available on their website here
Write down your income and expenditure; work out what you can afford to offer.
Always attend court hearings and return court papers
Don’t borrow money to clear debts
We can help you with forms and letters.
The Centre runs Debt drop-in sessions on Tuesday, Wednesday and Thursday mornings from 9am - 11.30am, where you can get initial advice. Alternatively, please contact us on 0161 789 2999 to book an afternoon appointment.