Helping people with problem debt

Helping Clients in Problem Debt: Recognising Early Signs and Helping Clients Before Crisis

Debt and financial pressure affect millions of people, yet the early signs often remain hidden. Many people do not recognise their situation as problem debt, or feel embarrassed to talk about it until things reach a crisis point.

This practical and informative session is designed for frontline staff, support workers, housing teams, carers, community organisations, and anyone who regularly works with people who may be struggling financially. The session reflects real examples and insights from Citizens Advice work with clients across the region.

You will learn how to spot early indicators of problem debt, understand how financial stress affects wellbeing, and confidently start supportive, non-judgemental conversations that help clients get the right help sooner – recognising always that full, structured and options based advice can only be provided by providers regulated by the Financial Conduct Authority (such as ourselves).

What the session covers

• What problem debt looks like in everyday life
• The difference between priority and non-priority debts and why it matters
• Early behavioural and financial warning signs
• How the debt spiral develops and how it affects physical and mental wellbeing
• How to have sensitive, supportive conversations that build trust
• Effective signposting and referral, including when to escalate and how to avoid overstepping into regulated advice
• Local trends, common vulnerabilities, and real-life case studies
• Practical tools and resources to help clients stabilise their situation
• Self-care guidance for frontline workers who handle difficult conversations

Who this event is for

Anyone working with clients or service users, including:

• Housing and tenancy teams
• Carers and health professionals
• Community and voluntary groups
• Support workers and caseworkers
• Charity staff and advice partners

What you will leave with

• Greater confidence in recognising early signs of financial distress
• Practical strategies for supportive and constructive conversations
• Knowledge of trusted referral pathways and free debt-advice services
• Insights that help prevent crisis and improve client wellbeing
• A stronger understanding of client vulnerability and the impact of financial stress

Book in here: https://www.eventbrite.co.uk/e/helping-people-with-problem-debt-tickets-1971145612589?aff=oddtdtcreator