Latest News and Updates

Here are some typical questions we get asked: Why do clients get into debt?In almost every case we see, clients have experienced some kind of life event which has caused them to fall into debt.  By the time they come to see us, they have typically spent about 6 months trying to manage themselves, but […]

We continue to see clients struggling to cover the basics—heating, water, rent, food. And is it any wonder, when you look at the wave of price increases in just the last few months? For those already living on a tight budget, these rising costs are simply unmanageable. More and more people are being pushed into […]

Here are some typical questions we get asked: What happens to debts when you die?  Will my family have to pay? In the UK, debts don’t pass on to family members when someone dies. Instead, they’re paid out of the person’s estate—this means any money, property, or other assets they leave behind. What about joint […]

Many of our clients have experienced domestic and financial abuse and have had to relocate to escape their abuser. Yet when they try to rebuild their lives by applying to have their debts written off, they can face a final, painful injustice. The Insolvency Service publishes the names and addresses of everyone granted a Debt Relief Order—information […]

Finding Freedom after Business Loss and Debt Our client had run a local business for several years, but increasing overheads and a shrinking customer base left the business facing closure. In an effort to keep things going, they began using credit cards to cover personal expenses, as the business was no longer generating enough income […]

60 Clients helped – £165,000 written-off Clients continue to come to us for help, many referred by GP social prescribers, the Harpenden Trust, and other local organisations. Around half came to us for support with problem debts; the rest needed help navigating a wide range of benefits queries. On the debt side, nine clients have had […]