Money Advice and Debt Management Service

Last Updated: 02.12.2010

Dealing with money issues can sometimes be off-putting, but if you don't understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt.

But you can avoid losing money and getting into debt if you have enough information to make the right choices.

Debt Management Solutions

There are so many ways of resolving your debt problems, it is often confusing to know which way to turn. We provide personalised debt counselling which enables us to assess your individual circumstances and provide you with the most suitable recommendation based on best advice and our experience.

Debt advice you can trust

The Debt Management service provides free debt advice and support for people with money worries and debt problems in North Ayrshire.

Our Money Advice and Debt Management Service is accredited by the Scottish National Standards for Information and Advice Providers, so you can be secure in the knowledge that our advice services have been audited to the highest standard.

We are not affiliated with any bank, or funded by lenders, so we can provide you with a free and impartial service, that is focused on helping you out of debt. By talking to our Money Advisers you will have access to the expertise of our experienced advisers and we will help find the right solution for you. Whether you need debt management services, help with LILA or another debt solution, we're here to ensure you are fully advised about all your options.

How we can help with your debts

Our specially trained Money Advisers offer friendly, expert advice on managing debt.

We can:

• Handle negotiations with all your creditors.
• Negotiate reduced payments.
• Freeze the interest you pay.
• Stop creditor action against you.
• LILA applications.
• Bankruptcy help.

Get help with your debts

If you have any debt problems contact a North Ayrshire Citizens Advice Bureau and talk to a Money Adviser for FREE, impartial and confidential advice on how to best manage your money problems. Our contact details can be found at the bottom of the page and our opening hours here, alternatively email us via our contact us page.