Debt Handbook

From Consumer Wiki

The Debt Handbook

Produced by Tameside Council as a guide for Social workers to help deal with their clients debt.

Download as a PDF or read online from [here]

Written in plain english, it has good information on:


  • Calculating a Personal Budget
  • Income
  • Expenses
  • Money for Creditors
  • Priority Debts
  • Money for Credit Debts
  • Personal Budget
  • Rent Arrears
  • Mortgage Arrears
  • Secured Loans
  • Council Tax
  • Child Maintenance Arrears
  • Water
  • Gas and Electric
  • Hire Purchase
  • Magistrates Court Fines
  • Social Fund Deductions
  • Overdrafts
  • Unsecured Loans
  • Credit Cards and Store Cards
  • Catalogues and Mail Order
  • What Happens Next
  • Harassment
  • Interest
  • Court Paperwork
  • Administration
  • Paylink Trust
  • Bailiffs
  • Credit Referencing
  • Opening a Bank Account
  • Sample Letters
  • Personal Budget Sheet
  • Useful Numbers


National Debtline Debt Help Pack

Comprehensive help and advice on every aspect of debt problems.

It can be downloaded in full (68 pages) from National debtline Help Pack

Or the individual sections , together with factsheets and sample letters here

  • How to use this pack
  • Increasing your income
  • Working out a personal budget
  • Dealing with priority debts
  • Credit debts
  • Pull-out draft personal budget sheet
  • Mortgage arrears
  • Rent arrears
  • Bailiff and Rent Arrears
  • Getting Re-housed
  • Fact sheets and useful contacts
  • About National Debtline