debt advice

One of our team will have a chat with you about your situation. They'll listen to you, and they may be able to identify other ways in which we can support you alongside our debt advice services. One of our debt advisers will then be allocated to you as your support officer, and they'll be your main point of contact at caba.

Your support officer will explore your financial situation in depth with you. They'll ask you to provide details of your monthly household income and expenditure, as well as your debts. You may find it helpful to begin preparing this information ahead of time.

Once you've shared this, your support officer will identify any ways in which you can increase your income, such as claiming state benefits you may be entitled to, and reduce your expenditure, such as switching energy tarriff or ensuring your tax code is correct.

Together you'll assess your options for tackling your debts, and choose a course of action that's right for you. Your support officer will support and advise you as you begin to address your debts.

Everything you tell us is kept in the strictest of confidence. We don't share your personal information with any third parties, and that includes ICAEW. caba is a separate organisation from ICAEW and is an independent charity with its own board of trustees. We do not have a duty to report anything to ICAEW.

You can find our guide on the implications of debt on institute membership here. Our debt advisers will help you weigh up the pros and cons of each option and empower you to make a plan that's right for you. Your ICAEW membership status has no impact on your support from caba, as we support both current and former ICAEW members.

Our debt advice service is only able to advise on debt in England and Wales. If you are outside of the UK and worried about debt, we'd still encourage you to get in touch. There may be other ways in which we can assist you.