The Advice Process

You contact us

When you contact us, we will make an appointment to see you. This will be as soon as possible, depending on how many existing clients we have and the availability of our advisors.

We may ask you some questions to establish your situation.

First appointment

We will give you time to explain your situation to us.

During this time we will ask you to sign a letter setting out our service to you and a letter of authority, so we can contact your creditors on your behalf

We will start to gain a picture of your situation, including the scale and nature of your debt. We will also work out with you your income and expenses to help us complete a financial statement for you.

The expenses will allow for the essentials you need such as food, rent/mortgage, council tax and will also take into account your particular circumstances.

The financial statement is an important document and it is used to work out a strategy for repaying your creditors.

We will highlight to you any action you need to take and by when.

We will tell you what we will do next and arrange to see you again.

Please bring as much relevant paperwork with you as you can, eg statements, bills, letters from creditors.

Our work

We will contact your creditors telling them that you have asked us for help with your debt situation, asking them to confirm the amount outstanding and requesting that they freeze any interest and charges.

We will start drawing up your financial statement, using information you give us.

Second appointment

We aim to complete the financial statement and will ask you to sign it as your agreement to it.

We can talk about the next steps and any outstanding work we or you need to do.

Further communication

We will be in touch with you as required and you can ask for further appointments if you need to.