Debt Advice

What help can we offer you?

Our Debt Advice Services are funded primarily by the national Money and Pensions Service and by East Northamptonshire Council although Debt advice is also an integral part of our Energy Advice Projects.

We provide a Countywide specialist Debt casework service delivered by fully trained staff covering all Debt and related matters including:

 

  • Credit Debt
  • Water Debt
  • Fuel Debt
  • Council Tax Debt
  • Mortgage and Rent Arrears
  • Income Maximisation
  • Support with Bankruptcy
  • Debt Relief Orders
  • County Court Judgements

Our Debt
Advice Service
is Free,
Independent
and Confidential

How can you access this service?

An organisation that is already supporting you can make a referral. Or you can visit our offices, email enquiries@communitylawservice.org.uk or call 01604 621038.

We also offer Drop-In Advice Sessions at our offices in Northampton, Rushden and Wellingborough.

Appointments with our specialist advisors are available at our offices in Northampton, Wellingborough and Rushden and also at our outreach offices at the premises of the Citizens Advice services in Corby, Kettering and Daventry. We may also be able to visit you in your home if you are housebound.

If your problem is urgent, we will try to see you before any deadlines that you must meet. For non-urgent problems, demand for our service may sometimes mean that you have to wait up to 3 weeks for an appointment. You will be given the option of being referred to an alternative provider should the waiting time not be appropriate for your needs.

Drop-In Advice Services

One Stop Shop, Northampton
Monday 10.00am – 12 noon
Friday 10.00am – 12 noon

Rushden Advice Centre
Tuesday 10.00am – 12 noon

Wellingborough Office
Thursday to Friday 10.00am – 12 noon

In 2019/20 we provided specialist Debt advice for 2305 people and helped with the management of £25,966,360 of Debt including the administration of 187 Debt Relief Orders and support for 41 Bankruptcies.

“You have significantly improved my money situation and now I can sleep better knowing my finances are in order”

Case Study

Mr C had rent arrears with a Housing Association, a Credit Union debt and Council Tax arrears. No income was coming into the property. The client’s health was deteriorating through depression, anxiety and mental health issues but he had not engaged with the support worker for some time.

Action taken:

  • Mr C’s support worker was contacted and engaged again with Mr C.
  • An internal referral was made to a CLS benefits specialist to assist with applications for the benefits to which he was entitled.
  • The local authority was contacted with regard to the outstanding Council Tax arrears and to claim Severe Mental Impairment (SMI) to be exempt from payment

Outcome:

  • Mr C was awarded Employment Support Allowance , Personal Independence Payment and  Housing Benefit and Council Tax Reduction (CTR) and was successful in being exempt from Council Tax. Council Tax Reduction was backdated and this cleared the majority of the arrears outstanding
  • The Credit Union agreed to accept a payment of £10 per month.
  • An application was successful to a Trust Fund to clear the rent arrears.  

 Mr C experienced less anxiety as a result of the support provided and the removal of the risk of enforcement action against him.

Enquiries

For general enquires, please contact us on:

Northampton

01604 621038

Rushden

01933 313020

Wellingborough

01933 278248