The Counselling & Managing Personal Debt – Level 2 Course is designed for people who work in or intend to work in the field of personal debt counselling or wish to provide advice and guidance on solving debt problems or wish to manage their own personal financial situation more effectively.
On completion of this managing personal debt course students will have gained:
- An overview of debt counselling
- An awareness of the personal attributes required for debt counselling
- An appreciation the communication skills required for debt counselling
- An understanding of the debt resolution process
- A grasp of the issues involved in dealing with creditors
On successful completion of this course, students will receive an accredited Level 2 Certificate of Achievement.
The course is split into the following units:
Unit One – An Overview of Debt
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?
Unit Two – Counselling Those in Debt
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.
Unit Three – Gathering Financial Information
The following topics are covered: Analysing current financial circumstances; Contacting all creditors; Deciding priorities; and Preparing a financial statement.
Unit Four – How to Maximize Income & Reduce Expenditure
The following topics are covered: Maximising income; and Reviewing expenditure.
Unit Five – How to Negotiate with Creditors
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.
Unit Six – Appendices
The following topics are covered: Useful websites; Credit references; and Useful addresses.
To find out more about The Counselling & Managing Personal Debt Course visit course provider website.
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