Debt Help & Information Guide

(includes free NEDCAB Debt Management Plan)

We at North East Derbyshire Citizens Advice Bureau have produced this debt help guide and information pack to assist clients who are facing debt and financial problems.

This guide is designed to allow and assist clients to deal with their debt and financial problems themselves if possible. It consists of general information on options available to clients who are experiencing debt and financial problems; it also includes our Debt Management Plan.

We are unable to assist in negotiations where clients take advantage of new credit after first contacting us or when clients make their own arrangements with individual creditors that are not equitable. Consequently, this pack must not be used in these circumstances.

All of the information in this pack is available on our website at www.ned-cab.org.uk, which also includes a debt calculator that works out your disposable income.

The Debt Help and Information Pack is also available to download for free in either RTF (Rich Text Format) or PDF (Portable Document Format) formats.

To download Adobe Acrobat Reader for free, visit the Adobe website.

Disclaimer

North East Derbyshire CAB has produced this booklet in an effort to explain most of the processes and procedures involved in debt cases. We have developed this pack in good faith and cannot accept any responsibility for any actions taken as a result of following these guidelines. The information in this pack is correct as of December 2009.

Next: Introduction