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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There is a newer version of this publication available: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

A systematic approach
As a professional debt adviser, you should apply a single systematic approach to each individual client. Also ensure that the advice you give is:
    in the best interests of that particular client; and
    appropriate to their individual circumstances; and
    realistic; and
    where an offer of payment is made, it is sustainable and based on a true and accurate assessment of the client’s individual circumstances.