Debt Advice

Dealing with money issues can sometimes be off-putting, but if you don't understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt. If you're in debt, you need to take action QUICKLY to stop the situation getting any worse. Our debt team are impartial, independent and non-judgemental.

What we Offer

• Debt Relief Orders (DRO's)
• Bankruptcy
• Individual Voluntary Arrangements (IVA’s)
• Payment plans
• Negotiations with creditors
• Disputed debts
• General debt advice to help explore your options
• Self help and guidance
• Any debt related court forms.
• Assist in rent or mortgage repossession
• Income maximisation/Benefit checks
• Budget planning

Priority Debts

• Mortgage or rent arrears
• Gas and electric arrears
• Council Tax arrears
• Maintenance arrears
• TV Licence
• Water arrears
• Court magistrate fines

Non-Priority Debts

• Benefit overpayment
• Credit cards overdrafts
• Payday loans
• Catalogues
• Parking fines
• Personal loans

Keeping on top of your money is a very important aspect of most people’s lives, however sometimes unexpected events can cause real money problems such as separation, divorce, or unexpected reduction in household income. Our experienced debt team can explain what options are available to you. If you receive any court papers and you are unsure of what to do then telephone the office or visit our offices during our normal opening hours.