An overview of how to spot, and help, people with debt or money worries.
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
Salary: Up to £55,000 gross per annum FTE – depending on experience
Location: Hybrid – including offices in the local authority areas of Basildon, Braintree, Brentwood, Castle Point, Rochford and Thurrock
Fixed Term Contract: Permanent
Due to the retirement of our existing Chief Executive officer we are looking for an inspirational and self-motivated leader to continue to develop Citizens Advice Braintree & South Essex (CABSE). CABSE is a well-regarded local independent charity providing free, impartial and confidential information, advice and guidance to 20,000 people per annum.
This is an exciting opportunity to join a successful Local Citizens Advice in Essex serving a population of over 750,000 people spread across the local authority areas of Basildon, Braintree, Brentwood, Castle Point, Rochford and Thurrock.
The successful candidate may be an experienced Citizens Advice professional, a Senior Manager with experience in the other parts of the voluntary sector or someone with an outstanding track record who is looking for a career change.
CABSE is an equal opportunities employer and welcome applications from people of all backgrounds. We are fully committed to safeguarding and promoting the welfare of our clients and expect all staff and volunteers to share this commitment.
The successful candidate will be subject to a DBS check, satisfactory references and must meet the HMRC requirements to be considered a ‘Fit & Proper person’.
Closing date for applications: 5pm on Thursday 25th of September 2025
Stage 1 Interview dates: 13th and 14th of October 2025
Salary: Up to £55,000 gross per annum FTE – depending on experience
Location: Hybrid – including offices in the local authority areas of Basildon, Braintree, Brentwood, Castle Point, Rochford and Thurrock
Fixed Term Contract: Permanent
Due to the retirement of our existing Chief Executive officer we are looking for an inspirational and self-motivated leader to continue to develop Citizens Advice Braintree & South Essex (CABSE). CABSE is a well-regarded local independent charity providing free, impartial and confidential information, advice and guidance to 20,000 people per annum.
This is an exciting opportunity to join a successful Local Citizens Advice in Essex serving a population of over 750,000 people spread across the local authority areas of Basildon, Braintree, Brentwood, Castle Point, Rochford and Thurrock.
The successful candidate may be an experienced Citizens Advice professional, a Senior Manager with experience in the other parts of the voluntary sector or someone with an outstanding track record who is looking for a career change.
CABSE is an equal opportunities employer and welcome applications from people of all backgrounds. We are fully committed to safeguarding and promoting the welfare of our clients and expect all staff and volunteers to share this commitment.
The successful candidate will be subject to a DBS check, satisfactory references and must meet the HMRC requirements to be considered a ‘Fit & Proper person’.
Closing date for applications: 5pm on Thursday 25th of September 2025
Stage 1 Interview dates: 13th and 14th of October 2025
