LAD can support you when you are facing issues around debt and money management.
Home Visits: phone the number below to arrange for a LAD Debt Coach to visit you in your home.
An Effective Budget: our trained debt counsellors will work out a realistic budget that priorities your essential bills. We will negotiate affordable payments with each creditor and attempt to stop unfair interest and charges where possible. Your Debt Coach will then explain the budget and the payments you will need to make.
LAD Plan: in most cases, a LAD Plan is set up for you. This acts as a simple bank account. You will need to make one weekly or monthly payment into your LAD Plan to cover your bills and debts. LAD will then distribute this on your behalf. You can also build up savings through your LAD Plan.
Severe Debt: if you are in severe debt, then we can walk you through insolvency options, such as petitioning for bankruptcy. We can help you fill out the forms and even attend court with you.