Debt Advice Service

We are a free debt advice service set up in 2013 by a group of churches in Ormskirk. We offer an appointment-based system to make sure we give you our undivided attention.

We offer an appointment-based system to make sure we give you our undivided attention.

Currently we have one session a week:

Thursday 2-4pm

FIRST STEP

• Contact our team by email, text or a message on our phone. (Please be aware that our volunteers don’t work every day – so text or phone messages may not be seen until the next debt advice session)
• Email contact is quickest and recommended.
• We will arrange an appointment.

WHAT WE DO

• We sit down with you and your paperwork to work out what’s going on.
• We deal with the people to whom you owe money, so you don’t have to.
• We check your income and expenditure, so you can see what you have to spend.
• We will build up a full picture of your financial circumstances
• We make repayment arrangements that you can afford.
• We help you find ways to get more income and reduce expenditure.
• We give information about the different ways to clear your debts.

WHAT WE NEED FROM YOU

• We will need to see as much of the paperwork that goes with your debts as possible.
•  We will need information about your income and expenditure
• We need you to sign papers saying you are happy for us to work for you. If you want to save time you can sign these papers on line – Authorisation, Contract, Credit Report
• We need you to be honest with us about your situation, but we will keep everything confidential to the team of advisers.
• Once we have agreed a plan, you will need to pay the money directly to the people to whom it is owed and keep up those payments.