At H-CAS, we provide free and confidential advice to help people who are struggling with debt. Financial problems can be stressful and can affect many areas of our lives, including housing, health, and family wellbeing. Our aim is to help you understand your financial situation and support you to find practical solutions.

We can support you with:

• Creating a simple household budget
• Understanding your income and spending
• Dealing with debts such as rent arrears, council tax, energy bills, credit cards, and loans
• Identifying priority debts that need urgent attention
• Understanding letters, bills, and messages from creditors
• Contacting creditors on your behalf, where appropriate
• Exploring payment options, repayment plans, and available support schemes

We offer a non-judgemental and supportive service and will work with you to take timely and appropriate action based on your circumstances. Our aim is to help you regain control of your finances, reduce stress, and feel more confident about managing money in the future.