Indispensable Resource
AN IMPORTANT AND INDISPENSABLE RESOURCE ON DEBT FOR ALL
PUBLISHED BY CPAG IN A THIRTEENTH EDITION FOR 2020
An appreciation by Elizabeth Taylor of Richmond Green Chambers and Phillip Taylor MBE, Head of Chambers, Reviews Editor, "The Barrister", and Mediator
Debt is embarrassing and a far more serious problem than most people would care to think about. If you are facing debt at a time with costs continuing to rise, with budgets squeezed and with problem or persistent debt on the increase, this book is for you.
It's our view that no adviser should be without this essential guide at the present time. It sets out very clearly the practice and process of money advice in England and Wales.
One of the Child Poverty Action Group's bestselling works is the Debt Advice Handbook. It provides us, as counsellors and lawyers, with the most comprehensive information needed for advisers on the key stages of money advice. The work has been updated by Peter Madge and his team and it offers useful hints on interviewing clients.
Other areas which the authors cover include these matters: establishing liability, maximising income, prioritising debts, preparing a financial statement, negotiating with creditors and dealing with bailiffs. We found it particularly helpful setting out the detailed information on the specific debts faced by students and the self-employed, and on how debts are enforced through the court process.
It's fully updated to cover all recent changes to legislation, caselaw and court procedure and practice, CPAG's Debt Advice Handbook is an indispensable resource for all debt advisers and is the set text for the Institute of Money Advisers' Certificate in Money Advice Practice, delivered in partnership with Staffordshire University.
The work of the CPAG remains of crucial importance today with the increasing detail which affects all aspects of social welfare law. CPAG's advice covers the more than one in four children in the United Kingdom who are growing up in poverty.
"It does not have to be like this" says the organisation. They go on to say that "we use our understanding of what causes poverty and the impact it has on a child's life to campaign for policies that will prevent and solve poverty... for good."
Also the handbook is fully indexed, for ease of use, and cross-referenced to law, regulations and official guidance, and for court and tribunal decisions. Tactical guidance and examples are included throughout to help you navigate the complexities of the social security system.
The law covered in this book was correct on 31st January 2020 and includes regulations laid up to this date. The publication date of this paperback thirteenth edition is cited as at 1st March 2020.
