Debt problems can affect people at any stage in their lives. They can come about as a result of family break up, redundancy, ill health, bereavement or some other life changing circumstances.

When people are affected they sometimes do not know where to turn and they feel pressurised by their creditors into paying more than they can afford. They do not know their legal rights. They may be persuaded to contact companies who offer debt advice but who often offer consolidated loans with huge interest costs and management fees.

Our Debt Advice Team can offer advice if you are having a problem with rent or mortgage arrears, council tax payments, household bills, paying bank loans or credit and store cards, mail order or catalogue debts. We can help you manage your debt. We can negotiate with your creditors on your behalf. We can advise you about Court procedures, bankruptcy and bailiff visits.

Unlike debt management companies, we are able to provide specialist assistance with no cost to you if you are eligible for legal help under the Community Legal Services Scheme. There are no hidden administration charges or hidden extras like consultancy fees.