Understanding Personal Debt - Causes, Effects and Statutory and Non-statutory Solutions

Short course

In London

£ 519 + VAT

Description

  • Type

    Short course

  • Location

    London

  • Duration

    1 Day

The aim of this course is to inform the attendees of the options available to someone who is struggling with debt problems, and give an understanding of the risks and warning signs of spotting those with debt problems. It will also give information on the pro's and cons of the options available. Suitable for: This course will appeal to bankers, money lenders, credit providers and the debt advice industry. It will be particularly useful for anybody dealing with people with debt, and people with the potential of finding themselves in need of bankruptcy procedures in the future.

Facilities

Location

Start date

London
See map
Bpp Holdings Plc Aldine Place, W12 8AA

Start date

On request

Start date

On request

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Course programme

Overview The aim of this course is to inform the attendees of the options available to someone who is struggling with debt problems, and give an understanding of the risks and warning signs of spotting those with debt problems. It will also give information on the pro's and cons of the options available. Learning outcomes include obtaining a greater understanding of: The statistical background to personal debt The size and extent of the debt problem Causes of over-indebtedness Who are the over-indebted? Gender, age and regional variations Types of debt - the legal and regulatory background Secured debt - mortgages and charges Quasi-security - hire purchase and chattel leases Unsecured consumer debt - credit cards, store cards and consumer loans The economic environment The credit crunch The housing market The re-emergence of inflation - food, energy and transport costs Self-help strategies and techniques for managing debt problems Maximising income Savings strategies Minimising outgoings and preparing a budget Prioritising debts Forward planning Sources of advice and help for the over-indebted Free-to-client debt advice accessed through telephone, internet or face-to-face Community initiatives Solicitors, accountants and insolvency specialists Non-statutory to debt problems Debt consolidation Re-mortgaging Debt management plans Statutory solutions to debt problems County Court Administration Orders Individual Voluntary Arrangements Bankruptcy Debt Relief Orders The legal consequences of over-indebtedness Enforcement of County and High Court judgments generally Levying execution Charging orders

Understanding Personal Debt - Causes, Effects and Statutory and Non-statutory Solutions

£ 519 + VAT