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Newer version available

There is a newer version of this publication available:
Debt Advice Handbook Scotland 1st ed - with new material

Debt advice is a professional activity
There is a package of attitudes, skills and strategies that are part of any debt advice service. This helps guarantee consistency and quality assurance.
Debt advice can be provided by specialists or professionals whose job primarily involves other activities – eg, housing officers, welfare rights officers or solicitors.
It can be provided by paid or voluntary workers.
In recent years, there has also been a growth in private debt management companies.