FELIXSTOWE CITIZENS ADVICE BUREAU

How We Can Help cont'd......

Debt - all our advisers are trained to deal with basic debt problems. We also have specialists dealing with multiple debts. We can advise on liability for debts, look at ways of increasing your income, help you come up with a financial statement for your creditors, and help you negotiate payment arrangements you can afford. If things have been left for some time, you may feel overwhelmed and unable to cope. We can often help you negotiate some time to come up with a payment arrangement, for example if the bailiffs have visited. It is rarely too late to get advice, but the sooner you ask for help the better. Many people are embarrassed about debts. We don't make judgements about people or their situations - we are simply here to help in any way we can, but we can't give you accurate advice without knowing about the whole situation. If you prefer to deal with the situation yourself, we can provide all the information you need and guide you through the steps you need to take.

Employment - whether you are an employer or employee we can advise on problems at work including dismissal, redundancy, wages, working hours, holiday entitlement. We can also advise on discrimination, sickness absence, and self-employment.

Housing - owners, tenants, and landlords all face problems from time to time. We can advise on problems with rent or mortgage payments, finding accommodation, problems with agents, eviction, homelessness, furniture, harassment, poor living conditions and neighbour problems.

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