Debt/finance advisers, or debt counsellors as they are often known, support and advise clients who are dealing with a range of financial problems. These can include rent or mortgage arrears. Money owed to catalogues or credit cards. Lack of awareness of welfare benefits available lack of money while studying or training.
Much of the work involves helping clients to plan their expenditure more effectively. There is a growing demand for advisers of this kind as more people are facing personal debt for a variety of reasons. They can work either as specialists in a general advice centre or in dedicated advice centres set up specifically to offer financial counselling,.
Which are usually based in the voluntary and charities sector? Some debt/finance advisers are employed in higher education institutions. The client group may vary according to where the adviser is working, but the typical activities are quite similar and likely to include interviewing clients to assess their financial situation.
Explaining financial information to clients. Negotiating on behalf of clients, e.g. a new payment schedule for a debt. Helping clients plan and manage their budgets. Referring clients to other sources of help, e.g. housing advisers or welfare rights advisers. Keeping up to date with financial legislation.
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