Debt Advice

At Free The Forgotten, our focus is on providing holistic support to individuals and families in our community, and this includes helping you navigate the complex world of debt. We understand how challenging and overwhelming financial struggles can be, and we’re committed to helping you find the right support. Whether you’re dealing with debt for the first time or struggling to manage ongoing financial issues, we’re here to guide you in the right direction.

Understanding Debt and Financial Challenges
Debt can be a confusing and stressful issue to tackle on your own. Our team of advisers and volunteers can help you better understand your financial situation, explain your debt-related options, and refer you to the appropriate specialist services if needed. We’re here to help you make sense of the complexity, empowering you with the knowledge to make informed decisions.

Referral to Specialist Debt Services
At Free The Forgotten, we work closely with a network of trusted organizations and services that specialize in debt management. If your situation requires more in-depth debt support, we can refer you to professionals who can provide comprehensive advice, debt solutions, and hands-on assistance. This might include services that help with:

• Debt consolidation: Combining multiple debts into one manageable payment.
• Negotiating with creditors: Professionals who can negotiate payment plans or freeze interest on your behalf.
• Debt Relief Orders (DROs), bankruptcy, or other financial solutions: Helping you understand if these options are right for you and how to proceed if they are.

We believe in connecting you with the right people who can address your specific needs and provide the specialized assistance you deserve.

Financial Education and Guidance
Even if you don’t need direct debt support, understanding how to manage your finances effectively can prevent problems from escalating. Our advisers can provide valuable financial education, helping you:

• Create a budget: We’ll help you map out your income and expenses, ensuring you have a clear view of your financial situation.
• Understand priority debts: We’ll guide you on which debts and payments should be prioritized, such as rent or mortgage payments, utilities, and council tax.
• Manage your money: We offer practical tips and advice on saving, reducing expenses, and making your money stretch further.

Our goal is to give you the tools to regain control of your finances and avoid falling into deeper financial difficulties.

Confidential and Supportive Environment
At Free The Forgotten, we recognize that financial issues can be sensitive and stressful. We provide a safe and confidential environment where you can openly discuss your concerns without judgment. Our compassionate team is here to listen, support, and guide you, ensuring you feel heard and understood.

Ongoing Support and Community Care
As a small community charity, we are dedicated to helping our neighbors not only through one-time support but with ongoing care. We’re here for the long term, ready to check in with you as your situation changes and to provide further referrals or advice when needed. Our commitment is to help you navigate your challenges and find stability in your financial life.

If you’re facing debt or financial challenges, or simply need guidance on how to manage your money better, Free The Forgotten is here to help. We’ll connect you with the right resources, offer compassionate support, and empower you to take control of your finances. Reach out to us today for assistance and guidance on your journey toward financial well-being.