Debt Counselling
Debt Advice Service in North Ayrshire - expert advice for people with complex debt problems
There are lots of reasons why people find it hard to meet their debts:
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Illness
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Unemployment
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Relationship breakdown
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Reduced Income
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Bereavement
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Or you may have borrowed too much
The Debt Advice Team can give expert advice, assistance and where appropriate representation on any debt issue. An adviser can help people decide if they are able to make any payments to creditors; how much they can pay; which creditor should be paid first. They will take account of all the circumstances – priority commitments, regular income and expenditure, level of indebtedness, health and personal circumstances to help people decide on the best option for them.
Debt Advice staff assist with emergencies such as:
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Gas or electricity being disconnected
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Wages or bank account arrestment
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Attachment and Exceptional attachment (this replaced Poindings & Warrant Sales from 31/12/02).
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Court Action being taken against you.
Debt Advice staff can also provide advice, assistance and representation with:
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Considering liability of debt
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Advice and where appropriate representation regarding court proceedings
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Negotiating repayments with creditors
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Advising on Bankruptcy and Trust Deeds
Debt Arrangement Scheme
Our Debt Advice staff are accreited by the Accountant in Bankruptcy to provide and support people who wish to apply for the Debt Arrangement Scheme.
Income Maximisation
Debt Advice staff will also look at how your income can be maximised e.g.
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Income Support/Other State benefits
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Tax Credits
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Housing Benefit and Council Tax Benefit
Debt Advice Team - Where to find us
Debtt Advice staff are based in Bridgegate House, Irvine and can arrange appointments in any Social Services Office. For Free, Impartial, Independent and Confidential Debt Advice please see contact us.