1. Professional debt advice

CPAG

1. Professional debt advice

MATRICS learn

Debt advice is a set of tools and strategies used to help clients deal with financial difficulties. Debt advice provides help to clients by:

•explaining the implications of non-payment of each of their debts and, on this basis, deciding which are priorities;

•establishing whether or not they are liable for their debts, and assisting them to challenge their creditors if appropriate;

•enabling them to maximise their disposable income;

•assisting them to plan their budgets;

•providing impartial, independent and confidential advice to enable them to make an informed choice about the solutions available;

•helping them choose a strategy that will minimise the effects of their debt on their financial, social or personal wellbeing;

•preserving their home, essential goods and services, and liberty;

•assisting by advice or representation with the implementation of whatever strategy is chosen.

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Details

Debt Advice Handbook Scotland 1st ed - with new material

Written in partnership with Citizens Advice Scotland, CPAG is delighted to announce the first edition of the Debt Advice Handbook Scotland. Based on CPAG’s best-selling Debt Advice Handbook, it details the stages of the debt advice process in Scotland and the key skills needed to give good advice. No money adviser should be without this essential guide.

The Handbook provides the most comprehensive information needed by advisers on the tools and strategies to help clients with their financial difficulties. It details the key stages of money advice, including on interviewing clients, establishing liability, prioritising debts, preparing a financial statement, negotiating with creditors and dealing with bailiffs. Emphasis is placed on taking due care of vulnerable clients and making sure that any payment arrangements agreed are appropriate. There is a focus on sustainable credit arrangements that do not affect a client’s abilities to pay essential living expenses and priority debts.

It is the go-to tool for specialist debt adviser as a first step in accessing primary legislation and regulations, and is also a reliable guide and training aid for the new debt adviser. Advisers who undertake debt advice alongside other sorts of advice work or other professional disciplines – such as social workers and housing officers – will find this handbook an indispensable resource.

Fully indexed and cross referenced to law, official guidance and to court and tribunal decisions, tactical guidance and examples are included throughou

Author(s):

CPAG

This content was last updated:2024-10-22

Word count182,696

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