Debt & Money

CARF can provide you with advice and information about:

maximising your income – making sure you’re getting all the money you are entitled to
minimising your expenditure – helping you keep outgoings low
opening a bank account – especially if you’ve had credit problems
payday loans – these can be easy to get but much harder to pay back
dealing with your creditors
all the debt management options available to you (this will depend on your circumstances)
applying to the Debt Arrangement Scheme (where this is appropriate for you)
completing a bankruptcy form (where this is appropriate for you)
threatened evictions and/or repossessions due to debt
making referrals to other agencies for further assistance.