Skip to content Skip to footer
Menu

Debt Advice

Each year, our specialist debt team deals with over 2,300 debt issues and helps manage total indebtedness of over £3.9 million.

We understand there are many reasons people get into debt. The advice we provide is non-judgmental and is focused on exploring ways to manage your finances.

Get free debt advice from our money advisers:

Request a call back

How we can help you

Our specialist advisers can:

  • Go through your income and expenditure and help you to work out a budget for you (and your family).
  • Identify ways in which you may be able to increase your income and save on expenditure.
  • Help you understand the difference between priority debts (eg rent, mortgage, council tax, gas and electricity) and non-priority debts (eg credit/store cards, overdrafts, loans, catalogues) and the implications of not maintaining payments.
  • Explore options to deal with your debts such as realistic payment offers, debt relief order, bankruptcy, challenging liability and trust fund applications.
  • Draft you letters to send to people you owe money to.
  • Negotiate with creditors on your behalf.

We have an approved intermediary who is qualified to process Debt Relief Orders (DRO).

All of our specialist debt advisers are members of the Institute of Money Advisers (IMA) and Citizens Advice Swale is regulated by the Financial Conduct Authority.

Recent debt success stories

  • Success: Empowering clients to manage debt

    Our client had a number of catalogues and loans they were struggling to pay due to an increase in living costs. We went through a budget plan with them to determine how much available income they had after paying essential expenditure, other household bills, travel, communications and leisure, housekeeping and personal costs. Our client has…

  • Success: Peace of mind and a fresh start

    Our client is living in an overcrowded Housing Association property and is in deficit after receiving their income. They have been affected by the cost of living and their adult children moving back home unexpectedly. Our Money Adviser completed a benefit check which highlighted a number of ways our client may be eligible for additional…

  • Success: Even the smallest issues can be a big worry

    Our client has speech and learning difficulties and can’t read or write. They received an on-the-spot fine for dropping a cigarette, which escalated to £200 and was causing them a lot of anxiety. Our Money Adviser wrote to Swale Borough Council explaining the client’s situation and that she believed the fine to be issued unfairly…