Debts
Many people borrow money in one form way or another. Problems can arise if you are unable to can’t meet your repayments or if you are unsure how much you owe.
Being in debt can be very stressful and can put a lot of strain on you, your family or other relationships. If you need help – the first step is to ask for advice and support as early as possible, from Tandem or another organisation.
Tandem is a free service. We won’t share any of your personal information with other people, not even Erimus staff, unless you give your permission.
We know this can be difficult, but starting to talk about and deal with your debts puts you back in control of your finances . View a simple debt test. This is one way to check whether you need to consider getting advice.
The longer you leave your money problems, the worse these problems get. However much you owe, free, confidential , none-judgemental advice is available from a variety of local and national organisations.
For further information about how to manage your debts, please visit the Directgov website.
Tandem advisers can give you general debt advice and can help you start to deal with your bills and debts and provide . We will offer practical support where we can. We can do this by assisting you to arrange a bill payment plan, for example, to spread the costs.
If you have lots of debts, if you owe a lot of money or if you need other specialist debt advice, Tandem advisers will make a referral for you. We will help you to get an appointment to see refer you on to a specialist debt provider adviser in a local advice organisation. If you need specialist help you may choose to contact them one of the agencies directly. Here are the contact details:
- Middlesbrough Citizens Advice Bureau
- Money Advice at Trading Standards
- Cleveland Housing Advice Centre
- Consumer Credit Counselling Service (CCCS)