Personal Debt

If income were maximised for everybody by picking the correct lottery numbers just once in a lifetime then personal debt and insolvency would probably be eradicated at a stroke (although it may be replaced by problems of a different nature). Unfortunately, this is unlikely to happen and so personal over-indebtedness will remain as a growth feature of society for the foreseeable future, not helped by the current regime of austerity.

Our aim is to offer a free, independent 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. 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, and 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. As well as helping with your immediate debt problems, we can assist you with general financial capability education so that you are better able to budget and manage your finances in the future.

Apparently 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 or relationship factors. We have expertise in all these fields within the bureau and our money advice team is fully integrated with all these other departments. This means that we can offer a holistic approach to your needs so that you will 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. Once back in control of your life, the weight of anxiety and worry will lift and grey skies will be replaced by sunshine. Contact us, we can help.