We are front-line debt advisers.

We work in a wide variety of communities and settings.

We work in local authorities, Citizens Advice, housing associations, and many more organisations. Some of the agencies we work for are large, specialist providers of debt advice. Others are based in local communities and sometimes form part of wider support to help people get back to work, or deal with health and other problems.

We may advise people face to face, on the phone, or on-line.

But we all do the same job.

We are all part of a well-trained and highly dedicated workforce, working across the country to help people in debt keep their heads above water.

We don’t judge people in debt. Financial problems have lots of causes and can happen to anyone.

We build trust, provide empathy and give people in very difficult situations the best advice we can.

Often this involves providing help for people to claim benefits they would otherwise miss out on. Sometimes we represent people in court to prevent people from losing their homes.

We advise on all the options, including insolvency solutions such as Bankruptcy and Debt Relief Orders. But we don’t make decisions for people in debt, just as we don’t police their behaviour on behalf the credit industry.

We need the time to do our jobs properly and help people get on top of their financial problems, and we’re here to help change things for the better.