Debt

Each year DHA helps thousands of individuals and families to deal with their financial difficulties.

We provide advice, advocacy and representation on:

• Rent and mortgage arrears
• Council Tax arrears
• Utility debts
• County Court and Magistrates action
• Consumer credit debts
• Informal arrangements with creditors
• Individual bankruptcy
• Individual Voluntary Arrangements and Administration Orders
• Dealing with bailiffs
• Harassment from creditors
• Benefit entitlments
• Maximising income through trust funds and charity applications

Our advisors have seen first hand the emotional turmoil caused by debt and financial worries, and treat each case with compassion and understanding.  Advisors work closely with clients to:

• Compose a financial statement detailing all income and expenditure and a realistic budget for the future
• Identify priority and non-priority debts
• Challenge debts which are not legally enforcable
• Negotiate a sustainable and realistic payment plan with creditors
• Contact creditors where necessary to inform them of our involvement
• Assist with any legal proceedings
• Assist with maximising income through potential savings and benefits