Credit and Debt

Credit and Debt

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Credit and debt issues are common amongst clients who are homeless or at risk of homelessness.  Clients can be vulnerable in obtaining loans or credit cards because of unfamiliarity with financial transactions or limited literacy and numeracy.  Poverty and homelessness can also leave clients unable to pay bills for day-to-day expenses such as utilities and mobile phones.  This chapter sets out the key steps in running a credit or debt matter from taking instructions to advising your client, negotiating with the creditor and, if necessary, defending legal action against your client.