Money Advice Service
Effects of recession such as reduced incomes, job losses, and business failure, as well as other "life shocks" such as relationship breakdown or long-term illness or disability all contribute to Individuals and households struggling to avoid falling in to debt.
Despite debt being a regular feature in many people's lives and the widespread media reporting on this issue since the onset of the Credit Crunch, we believe there remains a general lack of awareness about where to turn for debt advice and assistance.
In many cases people are reluctant to talk about their financial situation for fear of embarrassment or shame but speaking to a experienced debt advisor as soon as possible can be a big help in successfully managing debt problems.
Enlisting the help of fee-charging debt-management companies can often leave people faced with complicated and costly decisions.
The Council's Advice Service, in contrast, is free, confidential and impartial, with our expert Debt Advisers on hand to explain the options available to help overcome and relieve the burden of debt.
The Team is based at Lime Tree House and we offer our service to anyone who lives in the Clackmannanshire area. See below for details of how to contact us.
We can help by
- checking your benefit and tax credit entitlements,
- suggesting ways to reduce unnecessary expenditure,
- contacting creditors on your behalf,
- giving advice on all forms of debt recovery, including court action,
- providing information on possible solutions such as
- rescheduling,
- trust deeds,
- bankruptcy,
- Scottish Government's Debt Arrangement Scheme.
Our adviser will
- provide a free service,
- listen and offer support,
- treat everything you say in complete confidence,
- always ask your consent before taking any action,
- give you copies of all letters written on your behalf,
- keep you fully informed about your case,
- give you free access to our records on your case,
- visit you in your home if necessary.
When you can be seen
If you write, phone or email, an appointment will be made for you to be seen within 21 days. Please contact us using the details below.
In urgent cases we will do all we can to see you as soon as possible. The service is free and confidential. Home visits can also be arranged.
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Contact information
For further information about this page please contact:
Senior Adviser (Money and Welfare Benefits), Housing
Lime Tree House, Castle Street, Alloa, FK10 1EX
Tel: 01259 452000
Email: moneyadvice@clacks.gov.uk
Or use the on-line contact form
