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Debt Advice

Each year, our specialist debt team deals with over 5,000 debt issues and helps manage total indebtedness of over £3.8 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.

Request a call back from our money advisers for free debt advice.

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.