Debt Advice: An Introduction

This course will provide participants with a structured introduction to the Debt and Money Advice process and to provide an understanding of the debt cycle.

The course will enable participants to develop effective strategies to assist clients or residents who have debt and money problems and to identify when to refer them for specialist support and assistance.

Course contains:

  • An overview of the Debt Advice Process
  • Using the law to minimise debt liability including Consumer Credit Acts (1974 and 2006) and Consumer EU Directive Regulations 2010
  • Identifying Priority and Non-Priority Debts and the strategies/options to deal with them
  • Dealing with Emergencies ie: action by Enforcement Agents
  • Limitation Act 1980
  • Using Debt and Mental Health Evidence form
  • Income Maximisation
  • Grant Assistance
  • Common Financial Statement and using ‘trigger’ figures
  • Using Financial Ombudsman Service
  • Harassment by creditors and the options available
  • Insolvency including Bankruptcy, Debt Relief Orders and Individual Voluntary Arrangements
  • Administration Orders, Time Orders, Third Party Orders, Attachment of Earnings Orders and Charging Orders
  • Magistrates’ Court
  • Tribunals, Courts and Enforcement Act 2007 as it applies to Enforcement Agents

Learning outcomes

After this course, you will be able to:

  • Understand the Debt Advice process
  • Understand the strategies available to residents to challenge and minimise debt liabilities
  • Develop strategies to assist residents prioritise debt liabilities
  • Understand potential sources of grant assistance available to residents
  • Use the Common Financial statement and the ‘trigger’ figures in negotiation with residents.

Suitable for

Local Authority and Housing Association Income and Housing officers, Tenancy Support Officers, Social or Health Workers or anyone supporting clients or residents to budget and manage their finances and to manage debt liabilities. Residents’ and Estate Representatives.

CPD hours 5