Debt

Debt Advice and Support

Life can sometimes bring unexpected changes that affect your finances, such as redundancy, reduced working hours, changes to benefits, illness, or other unforeseen circumstances. When money worries start to build up, it can feel overwhelming and difficult to know where to turn.

You don’t have to face these challenges alone. Our specialist debt team is here to support you every step of the way. By working together, we can help you understand your situation, explore your options, and find a way forward that's right for you.

How We Can Help

We take the time to listen, understand your circumstances, and explain the options available to you in clear, straightforward language. We'll help you identify the solutions that best suit your situation, so you can make informed decisions with confidence.

You remain in control throughout the process, and we’ll support you in choosing the option that works best for your needs.

What We Do

Our advisers will first assess your situation and identify any urgent issues. If specialist debt support is needed, they will arrange an appointment with one of our dedicated debt caseworkers who have many years of experience helping people manage and overcome debt problems of all types and sizes.

Whatever your circumstances, we're here to help you find a way forward.

Our debt caseworkers can help by:

• Providing advice and assistance with urgent situations, and helping you understand which bills and debts should be prioritised including :
• Bailiff action
• Rent arrears
• Mortgage arrears
• Council Tax arrears
• Gas and electricity debts

Find out more about debt emergencies: https://www.citizensadvice.org.uk/wales/advisernet/debt-and-money/how-to-deal-with-debts/debt-emergencies/

• If it falls within scope of our service, explore if you could be legally responsible for a debt and explain how you could challenge liability where appropriate, or sign post you to alternative source of advice.
• Explain how you can respond to court claims and identify any important deadlines.
• Preparing a Financial Statement and explaining all the debt solutions available to you such as:
• Debt Relief Orders (DROs)
• Debt Management Plans (DMPs)
• Token Payment Plans
• Nil Offer Plans
• Debt write-offs where appropriate
• Individual Voluntary Arrangements (IVAs)
• Bankruptcy
• Identifying ways to maximise your income and exploring any possible missed benefits, grants, charitable support, or other assistance that may be available.

How You Can Help Us

To make the most of your appointment, ensure you allow enough time for your appointment, usually about an hour, it helps if you can have the following available:

• Recent bank statements for all your accounts
• Payslips
• Full breakdown of your UC award and other benefits you receive
• Details of any savings, vehicles, property, or pensions
• Recent letters, statements, or notices from your creditors

Opening Times