An edition of Debt advice handbook (1995)

Debt advice handbook

7th ed.

by

Cover of: Debt advice handbook by Mike Wolfe, Mike Wolfe
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Last edited by Drini
August 31, 2024 | History
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An edition of Debt advice handbook (1995)

Debt advice handbook

7th ed.

by

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Publish Date
Publisher
Child Poverty Action Group
Language
English
Pages
487

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Previews available in: English

Subjects

Debt, Handbooks, manuals, Management, Personal Finance
Edition Availability
Cover of: Debt advice handbook
Debt advice handbook
2012, Child Poverty Action Group
in English - 10th ed.
Cover of: Debt advice handbook
Debt advice handbook
2010, Child Poverty Action Group
in English - 9th ed.
Cover of: Debt advice handbook
Debt advice handbook
2006, Child Poverty Action Group
in English - 7th ed.
Cover of: Debt advice handbook
Debt advice handbook
2002, CPAG
in English - 5th ed.
Cover of: Debt advice handbook
Debt advice handbook
1995, CPAG
in English - 2nd ed.

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Book Details

Table of Contents

Foreword
Page vii
Acknowledgements
Page ix
How to Use This Book
Page x
Introduction
Page xii
Background
Page xii
Individual Consequences
Page xiv
What is Debt Advice?
Page xv
Chapter 1. Debt Advice - An Outline
Page 1
1. The Adviser as a Professional
Page 1
2. The Debt Advice System
Page 3
3. Administrative Systems
Page 8
Chapter 2. Key Skills
Page 11
1. Interviewing
Page 11
2. Negotiation
Page 12
3. Letter Writing
Page 13
4. Court Representation
Page 16
5. Changing Social Policy
Page 19
6. Dealing with Harassment
Page 23
7. Budgeting Advice
Page 26
Chapter 3. Stages of Debt Advice
Page 30
1. Creating Trust
Page 30
2. Listing Creditors and Minimising Debts
Page 30
3. Listing and Maximising Income
Page 33
4. Listing Expenditure
Page 35
5. Dealing with Emergencies
Page 39
6. Dealing with Priority Debts
Page 39
7. Drawing Up a Financial Statement
Page 39
8. Choosing a Strategy for Non-priority Debts
Page 42
9. Implementing and Following Up Chosen Strategies
Page 44
Chapter 4. Types of Debt
Page 47
1. The Consumer Credit Act
Page 47
2. Reform of the Consumer Credit Act
Page 55
3. Consumer Credit Act Debts
Page 60
4. Other Debts
Page 73
Chapter 5. Minimising Debts
Page 92
1. Using the Law of Contract to Avoid or Reduce Liability
Page 92
2. Using the Consumer Credit Act to Avoid or Reduce Liability
Page 103
3. Reducing Gas and Electricity Charges
Page 109
If Money is Owed to the Client
Page 112
Chapter 6. Maximising Income
Page 114
Introduction
Page 114
An Overview of the Benefits and Tax Credits Available
Page 115
Parents
Page 117
Lone Parents
Page 125
Sick and Disabled People
Page 128
Retired People
Page 137
Unemployed People
Page 141
The Safety Net
Page 144
Chapter 7. Dealing with Priority Debts
Page 151
1. Deciding on Priorities
Page 151
2. The General Approach to Priority Debts
Page 153
3. Strategies for Dealing with Priority Debts
Page 157
4. Emergency Action
Page 178
5. Penalties for Non-payment of Priority Debts
Page 184
Chapter 8. Dealing with Non-priority Debts
Page 186
1. The Criteria
Page 186
2. Should All Non-priority Debts be Treated the Same?
Page 190
3. The Strategies
Page 191
4. Court-based Strategies
Page 210
Chapter 9. The Civil Courts
Page 212
1. Introduction
Page 212
2. Types of Court Action
Page 215
3. Action to Recover Money Only
Page 216
4. Action to Recover Goods on Hire Purchase or Conditional Sale (the Consumer Credit Act Procedure)
Page 246
5. Action to Recover Property (Possession Action)
Page 248
Preventing Enforcement
Page 275
Chapter 10. The Magistrates' Court
Page 292
1. Financial Penalties
Page 293
2. Compensation Orders
Page 310
3. Council Tax and Community Charge
Page 311
4. Maintenance
Page 315
5. Tax Debts
Page 316
6. Wilful Refusal and Culpable Neglect
Page 316
Chapter 11. Bailiffs
Page 319
1. Types of Bailiff and the Seizure of Goods
Page 319
2. How Bailiffs Become Involved
Page 322
3. Bailiffs' Powers
Page 325
4. Powers of Arrest
Page 337
5. Complaints Against Bailiffs
Page 338
6. Emergency Action
Page 342
7. Reform
Page 344
Chapter 12. Bankruptcy and Individual Voluntary Arrangements
Page 345
1. Last Resort or Fresh Start?
Page 345
2. When to Use Bankruptcy and Voluntary Arrangements
Page 347
3. Individual Voluntary Arrangements
Page 350
Bankruptcy
Page 357
Chapter 13. Business Debts
Page 390
1. Types of Small Business
Page 390
2. Stages of Debt Advice
Page 393
Chapter 14. Student Debt
Page 404
1. Introduction
Page 404
2. Stages of Debt Advice
Page 407
3. Types of Debt
Page 412
4. Minimising Debt
Page 421
5. Maximising Income
Page 422
6. Dealing with Priority Debts
Page 442
Appendix 1. Relevant Legislation
Page 445
Appendix 2. Useful Organisations
Page 456
Appendix 3. Useful Publications
Page 462
Appendix 4. Abbreviations Used in the Notes
Page 464
Index
Page 469

Edition Notes

Previous edition: 2004.

Includes bibliographical references and index.

Published in
London

Classifications

Dewey Decimal Class
332.02402
Library of Congress
HG179 .W66 2006

The Physical Object

Pagination
xvii, 487 pages
Number of pages
487

ID Numbers

Open Library
OL39796497M
Internet Archive
debtadvicehandbo0000wolf_j8l7
ISBN 10
1901698882
ISBN 13
9781901698886
OCLC/WorldCat
70672677

Source records

Internet Archive item record
Promise Item

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August 31, 2024 Edited by Drini Add TOC from Tocky
December 4, 2022 Edited by ImportBot import existing book
September 21, 2022 Created by ImportBot Imported from Internet Archive item record