Revised and updated August 2014.

In the current financial climate more and more clients are experiencing financial difficulties that may jeopardise their homes. This guide is designed to equip advisers with an understanding of housing debt. It will also provide them with the skills to give practical guidance and suggest appropriate actions to allow clients to avoid repossession/eviction due to arrears.

This guide includes:

• Defining debt advice
• Perceptions and reasons for debt
• Prioritising debt
• Maximising income
• Dealing with emergency debts
• Making realistic proposals to lenders and landlords