Struggling with Debt?
More people than ever before are getting into debt. It is often linked with redundancy, unemployment, separation, sickness etc. Anyone can find themselves in debt. Whether you have one small debt or many larger debts, we can help you deal with the situation and sort things out.
What we can do for you . . .
Assess your financial situation, check your benefit entitlement and give you budgeting advice if needed.
Help you to deal with any emergencies, such as bailiff action, the threat of eviction or disconnection, court hearings or any other issues needing urgent attention.
Advise you which payments to prioritise and help you to deal with priority debts such as arrears of rent, mortgage, council tax or fuel.
Advise you on whether you are liable for the debts and help you challenge your liability where appropriate.
Assist you in responding to court claims and in applying to court where necessary.
Having assessed your level of income, your assets and your general circumstances, we will explain all the options available for dealing with your debts.
We will keep you informed and updated as your case progresses.
If it is appropriate to refer your case to another agency, we will advise of this as soon as possible.
We offer free, confidential, independent and impartial debt advice, to help you get your finances under control.
Check out ways to get in contact with us via our Get Help page.
Find out more with our Help with Debt Advice Leaflet
Find out more with What If I Cannot Pay My Debts Leaflet
Find out more with Making the Most of your Money
How we can help
Our advisers can help you resolve your problem.
We explain your options and the possible outcomes of different courses of action. We don't tell you what to do - we encourage you to make your own decisions and act on your own behalf. We aim to help you manage your own problems by identifying options for you.
“I was being harassed by bailiffs who were threatening to take my possessions. I did not know where to turn. I took a chance and rang the CAB, I cannot tell you how much my adviser helped me. Her demeanour was so reassuring. She even rang me afterwards to find out how I was getting on. She was a shining star and a quality adviser and I thank her from the bottom of my heart.”
You can make a complaint if you’re unhappy with the advice or the service you have received.
To complain, contact Citizens Advice Manchester
Email: headoffice@citizensadvicemanchester.org.uk
Telephone: 0808 278 7800 Monday to Friday 9:30 - 5pm.
We aim to contact you within 5 days to acknowledge the complaint. Initially, we will try to put things right and deal with your complaint informally. If this doesn't help, a manager at our local office will investigate. If your complaint is not upheld your next steps can include asking for a review, asking for a review by an independent adjudicator or escalating to the Financial Ombudsman Service.