Considering technical and practical issues, this course will provide advisers with the knowledge and skills to assist clients whose essential expenditure exceeds their income.

This course is relevant to anyone giving debt advice to clients in England and Wales.

By the end of this course, delegates will be able to:

• outline how the Financial Conduct Authority’s CONC rules impact on the use of deficit budgets,,
• explain when and why it might be appropriate to use multiple financial statements,
• describe how best to approach deficit budgets in DRO and bankruptcy applications, council tax discretionary write-offs, possession proceedings, time order applications and County Court claims,
• maximise clients’ incomes with some less commonly used methods.

Level: All

CPD: 4.5

Duration: Two half days

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