Call us: 0151 459 1556

Call us: 0151 459 1556

Money and debt advice

At Raise we understand how easy it is to get into debt and we want to help you set an achievable budget so you can sort out your debts and have enough to live on while doing so. We check you are receiving all your benefit entitlements and help you to claim if you are not.

Our expert advisers understand the debt management options available to you and will explain them to you so you can decide on the best way forward for you. They can help you to talk to the people you owe money to or talk to them on your behalf.

How we help people

We can help to:

  • Understanding  your level of debt

  • Advice on how to approach each type of debt (priority and non-priority debts)

  • Exploring and discussing options to improve and resolve your situation

  • Checking you are claiming your full benefit entitlement

  • Self-help support as well as taking action on your behalf

  • Seeking  grants and other charitable donations if eligible

  • Offer advice on budgeting

Raise offers a comprehensive package of support to its debt clients such as further support with money management or back to work employment support and training

Case Study

Client B’s Situation

The client suffers from severe mental health issues and was referred to Raise for help dealing with debts totalling £12,000 including high rent arrears. The situation was very difficult as the client regularly stayed away from his registered address due to paranoid psychosis meaning that he needed to stay with family for his own safety. He also did not have a phone and had a tendency to disengage from support networks. The best solution for the client was to have him moved from his property, which was the source of great distress, however, this did not appear to be possible due to high rent arrears.

How did we help?

The caseworker understood that maintaining contact with the client directly would be difficult. She liaised regularly with his Mental Health Nurse and his Housing Officer to determine an effective plan that would best support the client. She maintained contact with the client by arranging for phone calls to take place in the presence of a support worker and clearly explained who Raise are and what we could do to help him. She applied for the clients three credit reports to ascertain his total level of debt that we did not already know about.

Due to his mental health nurse being available to support him during our conversations, the client was able to forward his proof of income, Identity documents and any letters from his creditors. He made a list of the debts which made it easier to corroborate from his credit reports and to confirm that a Debt Relief Order (DRO) was a suitable debt solution. This would clear the client of all his debts and give him a fresh start. This enabled him to manage his mental health more effectively without the worry of being chased for money. She was also able to apply to United Utilities for a £90.00 grant to cover the cost of the DRO, keeping the service provided free to the client.

What were the results?

Aware that the client’s property was detrimental to his mental health, the client’s landlord authorised consent for him to be moved despite the rent arrears owed. The caseworker was also able to complete a DRO Referral which will free the client of all other debts and provide him with the clean slate and sense of security he desperately needs.