What do we do?
Our clients have different needs and preferences, and we respect that. Some of them may only need a one-time consultation, while others may have more complicated situations that require ongoing support. We are committed to working with you for as long as you need us. We don’t have a fixed timeline or a one-size-fits-all approach. We tailor our services to your specific circumstances.
We help clients get to the root of their situation and release them from the pressure of debt. To do this we negotiate with creditors on their behalf.
This can involve a range of activities including:
- Negotiating and when necessary re-negotiating with creditors to try to minimise the impact of debt on our clients.
- Putting in place payment plans to present to creditors.
- Completing the Common Financial Statement to tailor the debt options available.
- Support with budgeting and money management skills.
- Signposting clients to other relevant support agencies for services outside of our remit.
- Guiding and supporting clients through insolvency processes.
- Helping to maximise income through benefit checks and accessing grants and funding.
- We are able to support bankruptcy, debt arrangement scheme and moratorium statutory solutions.
How does it work?
We can be contacted by filling out the “get advice” form or by phone or email.
Initial meetings can either be arranged face-to-face, or via telephone or video conferencing.
Having explored your current financial and debt position through completion of the Common Financial Statement, as well as relevant factors that affect your individual situation, we will advise you on the options you have and which are best suited to your circumstances.
Who we are?
The service is provided through a partnership between St Anne’s Scottish Episcopal& Methodist Church, Dunbar, and the Salvation Army Debt Advice Service.
We offer debt advice in Dunbar Area of East Lothian.
We are authorised and regulated by the Financial Conduct Authority to provide debt advice.
We work with MATRICS for ongoing training and support.
