How to get debt free in a year
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We asked our advisors how they felt about helping people with debt problems, and this is what they said.
At Debt Advisory Centre, we know how hard it can be to ask for help when you’re struggling with your debts and that picking up the phone to talk to somebody about it can seem daunting. But we also know that whilst the first step can be the hardest, the relief you’ll feel once you take it is instant. Our advisors simply want to help you with your debt problems. There’ll be no judgement or prejudice when you talk to us, just expert advice from trained professionals who want to help.
We asked our advisors to share how they feel about their job.
What’s the most important thing you need to be able to do your job?
“I’ve been working here for a year now, and I can say that the most important thing you need to be able to do is listen.”
When we asked our advisors what qualities helped them do their job the same things came up again and again – empathy and the ability to listen.
If you call us, you’ll come through to someone who really cares about your situation and wants to listen. You’ll get the opportunity to get it all off your chest – why you’ve found yourself in financial difficulty, your immediate worries and your concerns for your financial future.
By listening to you talk through your situation, our advisors will be able to pinpoint the best solution for your needs.
What, in your experience, are the main causes of problem debt?
“Some of the people I speak to have found themselves in debt simply because of an unexpected change in circumstances, like splitting from a long-term partner.”
We know that a lot of the time it’s unexpected life changes, like separation or redundancy, that can change manageable debt into an unmanageable problem. In some cases the people we speak to have tried to manage by themselves for a while, but have soon realised they can’t realistically afford their repayments.
If something hasn’t gone to plan and you’ve found that it’s put an unmanageable strain on your finances, don’t hesitate to reach out for help and advice.
Do you speak to a wide variety of people in your role?
“I speak to all different kinds of people… with different backgrounds, jobs and incomes. It’s important to remember that anyone can find themselves with problem debt.”
If you’re feeling in any way ashamed or embarrassed about being in debt in the first place, don’t be. Our advisors speak to enough people to know that anyone can find themselves dealing with debt problems, sometimes through no fault of their own.
Remember, there’s no minimum amount of debt you have to have in order to call us. It’s not about how much you owe, rather how you’re coping with paying it back.
How do you work out which debt solution is right for someone?
“First, we have a chat with them and find out what led them to call us in the first place. Then we have to find detailed facts about their situation. We find out what their income and expenditure is, and from that we can work out what they can afford to put towards their debts. We’ll always look at someone’s past, present, and any future changes to get to the right solution. Once we’re 100% sure we’re recommending what is best for them, and we’ll explain why we’re making that recommendation.”
When you call us, we’ll need some information from you so that we can tell you your options, but you don’t need to get any paperwork ready. We’ll ask you questions about what sort of debts you have, how much you earn and how much you spend on the different areas of your life.
The questions we ask give us a really detailed picture of your life and finances, so our recommendation is the best that it can be.
How important is it that people seek professional advice for their problem debts?
“It’s so important that people seek professional advice when it comes to debt problems. All we’re going to do is have a conversation and give our best advice. We can call them back when they’ve had a chance to think things over, and of course, how they choose to move forward after that call is up to them.”
There are a lot of misconceptions surrounding debt that might be scaring you away from the solution that’s most beneficial. But there may actually be a way of lowering or wiping your debts that you haven’t heard of.
That’s why it’s so important that you get professional advice. And as Charlotte says, there’s no obligation attached to the conversation you have with us. We’re not here to pressure you; just to give you the facts and the best advice possible. It’s up to you what you do next.
So, what do you like best about your job?
“It’s really rewarding when you finish a call and you can hear the change in their tone of voice. You can hear the relief and the positivity.”
We hear from so many people who say they were afraid to pick up the phone, but by the end of the call they’re so happy that they did.
And it’s great for our advisors to know they’re able to really change someone’s day - perhaps even their life – for the better, by showing them the way to get out of debt.
What would you say to someone who is struggling with their debts, but is in two minds about contacting us?
“Don’t sit and worry by yourself. We deal with this all the time – that’s what we’re here for. Give us a call.”
If you’d like to take Andy’s advice, just get in touch using one of the options at the top of the page.
by Christine WalshBack to blog home