COUNSELLING & MANAGING PERSONAL DEBT - LEVEL 2 COURSE

The course is split into the following units:

The following topics are covered: Causes of debt (Individual Circumstances, Economic Reasons and Other Causes of Debt); Types of borrowing; Creditor’s rights (Non-Court Actions and Court Actions); Office of Fair Trading debt collection guidance; and how long can a creditor pursue a debt for?

The following topics are covered: What is counselling?; The role of the counsellor; Values of counselling; Personal qualities; Communication skills; The counselling process (The physical environment and The five stages of counselling); and Personal development.

The following topics are covered: Analysing current financial circumstances; Contacting all creditors; Deciding priorities; and Preparing a financial statement.

The following topics are covered: Maximising income; and Reviewing expenditure.

The following topics are covered: Negotiating with priority creditors (Dealing with arrears in: Mortgages; Rent; Council Tax; Maintenance/Child support and Income Tax); Negotiating with secondary creditors (Dealing direct with creditors; Loan Consolidation; Debt Management Companies; Administration Orders and Individual Voluntary Arrangements – IVAs); Options available to those with no surplus money to pay creditors (Asking for debts to be written off; Debt Relief Order and Bankruptcy); and Conclusions.

The following topics are covered: Useful websites; Credit references; and Useful addresses.

Assessment:

You will be assessed on coursework which is detailed in the course materials. Coursework consists of a series of word processed or written assignments, which are submitted to and then marked by your course tutor.