Course Description
This Counselling and Managing Personal Debt Level 2 course will provide you with:
- An overview of debt counselling
- An awareness of the personal attributes required in debt counselling
- An appreciation the communication skills required in debt counselling
- An understanding of the debt resolution process
- A grasp of the issues involved in dealing with creditors
This course is designed for people who work in or intend to work in the field of personal debt counselling, wish to provide advice and guidance on solving debt problems or wish to manage their own personal finance situation more effectively.
The course is designed for study by distance learning at work or at home. Students receive course manual, assignments and study guide plus tutor support by mail and email.
You will not require and previous knowledge to start studying this course and you will have a personal tutor to answer any queries that you may have.
Support
The course will be delivered by post including Tutor Support for 12 months. All assignments are marked by one of our professional Tutors who will offer regular feedback and guide you through your course. Postal assignments cannot be accepted without prior permission from the tutor and you must have access to email in order to contact your Tutor.
You will be provided with the telephone number for your dedicated Student Support Team who will be available for any other queries that you may have whilst completing your course. You can be assured that you will receive unlimited support for your home study course, so there is no need to struggle or feel isolated during your studies.
Assessment
You must successfully complete a series of assignments. Once all assignments have been completed satisfactorily, you will then be awarded your certificate. The good news is, there is no final exam at the end of this course.
Modules
Unit 1: An Overview of Debt
Causes of debt
- Individual Circumstances
- Economic Reasons
- Other Causes of Debt
Types of borrowing
Creditor’s rights
- Non-Court Actions
- Court Actions
Office of Fair Trading debt collection guidance
How long can a creditor pursue a debt for?
Unit 2: Counselling those in Debt
What is counselling?
The role of the counsellor
Values of counselling
Personal qualities
Communication skills
The counselling process
- The physical environment
- The five stages of counselling
Unit 3: Gathering Financial Information
Analysing current financial circumstances
Contacting all creditors
Deciding priorities
Preparing a financial statement
Unit 4: How to Maximise Income and Reduce Expenditure
Maximising income
Reviewing expenditure
Unit 5: How to Negotiate with Creditors
Negotiating with priority creditors
Dealing with arrears in;
- Mortgages
- Rent
- Council Tax
- Maintenance/Child support
- Income Tax
Negotiating with secondary creditors
Dealing direct with creditors
- Loan Consolidation
- Debt Management Companies
- Administration Orders
- Individual Voluntary Arrangements (IVA)
Options available to those with no surplus money to pay creditors
- Asking for debts to be written off
- Debt Relief Order
- Bankruptcy
- Conclusion
Q & A
Will I require any previous knowledge to start this course?
You do not need any prior learning knowledge or experience to take this course. This course is openly available to anyone who wishes to take part in a highly rewarding home study course. You have the freedom to start the course at any time and continue your studies at your own pace for a period of up to 12 months from initial registration with the full support of your Tutor.
What is included with this course?
- In-depth study materials covering the full specification
- 12 months tutor support
- Assignment marking and feedback
- Certification
Will I need to purchase any books?
You will not need to purchase any books as we cover everything that is required in the course materials unless otherwise stated on the course page.
Are there any additional costs?
There will be no additional costs for this course.
I live overseas, would I be able to take this course?
Yes, this course is available to international students.
Do I have to pay delivery?
For paper-based courses, delivery is free to the UK. A delivery fee will be payable for paper-based courses sent outside the UK. Please click here for delivery information.
How many hours should I allow for this course?
We recommend that you are able to dedicate between 90 and 110 hours’ study time, plus additional time for completing assignments.
Can I complete this course sooner if I wish to?
Yes, you can work at your own pace to complete this course.