While the festive period can be wonderfully joyful, for others it can bring with it stress and anxiety because of their financial difficulties. However It doesn’t have to be like this. The fact is there are ways to experience the best without bringing on the worst by running up unnecessary debt.
This factsheet provides an overview of dealing with business debt including monies owed to HMRC, business rates, rent and utility arrears, accountants’ bills, equipment leases and suppliers’ debts. It will also discuss options for dealing with the liability for sole trading, partnership debts and that of a Limited Company.
This factsheet explains the difference between credit reports, credit referencing agencies, credit scores and credit searches. It will detail what information is held on a credit report, how to deal with being turned down for credit, how to challenge incorrect information on your credit report and provide tips on improving your credit score.
Dealing with a death is always difficult, but sorting other issues such as debt can add stress to the situation. This factsheet will help you establish liability for debts when someone has died, how to treat different types of debt, how owning a property may be affected by a person’s death and provide you with contact details of organisations that also may be able to help you.
Money Talks help guides
We have gathered a selection of online tools that may help you manage your money. These tools are provided by organisations that work with Advice NI.
We can provide advice on a range of benefit issues. You also find out information on benefits for carers, those with disabilities, being out of work, bereavement, housing, and more.
On this page we outline some of the ways in which you can access additional support and offer advice on managing your bills in light of the current cost of living crisis. If you are still unclear about the support you might be able to access, local advice agencies and the Advice NI helplines are here to help make things clearer.
‘Move to UC’ refers to the UK government’s plan to move ‘legacy’ benefit claimants on to Universal Credit (UC). Universal Credit is designed to replace benefits such as income-based JSA and ESA, Income Support, Housing Benefit, and Child and Working Tax Credits.
The EU Settlement Scheme deadline has passed. If you still need to apply, we can provide free advice and support to assist you to make a late application.