Having identified that a proportion of existing Beneficiaries are known to be
in debt (personal and business), CABA developed a Debt Management and Support Service to complement the existing services already delivered by the Beneficiary Team. 

Through this service, we hope to:

Provide specialist advice and support to enable users of the service to resolve their debt issues;
Ensure Beneficiaries have taken appropriate steps to minimise their liabilities and maximise their income so as not to incur further debt;
Help Members avoid loss of membership as a result of Bankruptcy.

Debt is an increasing problem which now appears to be affecting a much wider section of the population.

Despite the growing publicity surrounding debt, people are still not seeking advice or assistance. This may be because people feel embarrassed, or too stressed to seek help. However, it is important to highlight that every
day debts are ignored, more interest is charged and the nearer someone gets to enforcement by the creditor. It is, therefore, imperative that advice is sought sooner rather than later.

We can provide help with;

Free, independent, impartial and confidential debt advice and support (face to face or on the telephone) by experienced debt advisors;
Emotional support and encouragement throughout the debt advice process;
Income maximisation – advice on benefit and tax credit entitlement;
Budgeting;
Information on debt related matters, e.g. rights of the debtor, the enforcement powers of the creditor etc.
Negotiating with creditors and other third parties;
The Interpretation of debt related letters, legislation, court forms, official documents etc;
Court representation.

PLE ASE NOTE caba is not able to assist financially with the repayment of debts nor can we give financial advice.

For further information on CABA's Debt Management and Support Service, please Telephone CABA on +44 (0)1788 556371 or Freephone (UK only) 0800 840 0567 and ask to speak to our Debt Management team or email debt@caba.org.uk

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