Having trouble with debts?
Life sometimes throws us challenges that can cause debts, such a redundancy, zero hours contracts, and changing benefits.
It’s often difficult to understand what’s happening and you may find it difficult to cope. That’s where we come in.
We’re here to help but it’s only by working together that we can get this problem sorted out.
Here’s how our debt team can help
We take time to explain your options and the possible outcomes of different courses of action. We aim to help you manage your problems by identifying the most suitable options so that you can decide on what is the best option for you.
You’re always in control and we encourage you to make your own decisions.
What we do
- We assess your financial situation including checking your eligibility for any benefits.
- We help you with any emergencies such as the threat of eviction, bailiffs, court hearings or any other urgent issues. Check for any emergencies -https://www.citizensadvice.org.uk/wales/advisernet/debt-and-money/dealing-with-debts/dealing-with-debts/debt-emergencies/
- We advise you which payments to prioritise and help you deal with priority debts such as Rent, Electricity/Gas arrears, Mortgage, or Council Tax arrears.
- We advise you on whether you’re liable for the debts and help you challenge your liability where appropriate.
- We help you respond to court claims and advise you on any time limits.
- We will suggest any appropriate income maximisation tips and any potential charitable help available
- We assess your finances as a whole including assets, complete a Financial Statement and explain all the options available. Provide support in accessing help e.g. if you are seeking a Debt Relief Order, Debt Management Plan, Token Payment Plan, Nil Offer Plan, Write offs, Individual Voluntary Arrangement or Bankruptcy .
How can you help
- Start by gathering details of your income (Bank statements, Payslips, Benefit letters), details of assets(savings, car, House if owned, Pension) and the most recent letters from creditors,
- Our advisers will assess your situation and give you advice on any emergencies.
- They will then refer you for an appointment with our specialist debt caseworkers.
Why come to us
Our debt caseworkers work under the Welsh Assembly Government Single Advice Fund contract. They are highly skilled with many years’ experience of helping people with their debts. Our team of specialist debt advisers can work with you to try and resolve your debt problems, whatever the cause or amount you owe.
We will look at your situation and explore the options you can take to deal with your debts. Together we will agree a plan that's right for you.
We can help with longer term budgeting and money management advice so you can manage your money more effectively in the future.
Information on call charges can be found by clicking here
Opening Times
| Monday | 09:00 | 16:00 |
| Tuesday | 09:00 | 16:00 |
| Wednesday | 09:00 | 16:00 |
| Thursday | 09:00 | 16:00 |
| Friday | 09:00 | 13:00 |
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