Debt Advice

If you are having difficulties in dealing with debt problems you should always seek specialist advice. The Law Centre can provide advice, assistance and representation in this area of law. We help hundreds of people every year with severe debt problems. Our service includes negotiating with creditors and can include representation where necessary.

This work includes:

• Helping you work out a realistic budget that covers all your income and spending. We can help you decide which debts take priority - like mortgage or rent - and which cost you most through penalties or higher interest rates
• We will check whether there are any benefits or tax credits you are entitled to
  that you are not getting
• Advice on whether you should accept or dispute liability for debts.
• If organisations won't accept your repayment offers, we can help you contact your creditors to offer payment proposals on your behalf
• We advise and help with bankruptcy petitions
• We assist by giving impartial advice to avoid you rushing into signing anything you don't understand

In appropriate cases we may be able to provide legal representation to bring or defend County Court and High Court proceedings.

It is essential that before you see our debt advice project that you gather together all your financial papers. These should include any court papers and letters, bills and credit agreements, and details of your income and expenditure and that of your spouse or partner. This helps us assist you more effectively.