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Dealing with Debt
A practical workshop covering the main issues surrounding debt management. Participants will learn about credit ratings, mortgage arrears, family budgeting, loan repayment plans, dealing with debt collectors, debt consolidation, guarantees, bankruptcy and insolvency. The proposed changes in bankruptcy law will be highlighted.
Ideal for front line support workers and for those personally struggling with debt issues.
Aim: Achieve a practical understanding of the legal issues surrounding indebtedness and practical coping strategies
On completion participants will be able to:
- Pinpoint the main causes of debt
- Explain what a Credit Rating is and how to protect it
- Identify key options for tackling mortgage arrears, credit card debt, overdrafts etc
- List the pros and cons of debt consolidation
- Identify in what circumstances one can become liable for another’s debt
- Explain Court procedures (eg: Statement of Means, Budget
Plans, Mareva Injunctions, Judgement Orders and Judgement
Mortgages) - Explain the implications of bankruptcy and insolvency
- Highlight proposed changes in bankruptcy law
- Synopsise consumer rights when dealing with debt collectors
- Outline protections under the Consumer Credit Act 1995 and Consumer Protection Code
- Negotiate a debt management plan
- Suggest pre-emptive steps for avoiding debt escalation
- Outline methods of Family Budgeting
- Adopt stress-management tactics
- Identify low cost leisure and lifestyle options
- Detail help available from MABS – the Money Advisory & Budgeting Service
- Refer to other advisory, information & support agencies.
Book now for half-day workshop taking place in Dublin city centre on Weds 14 March. Early Bird rate available until 1 March.
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Coming Up
A Public Information Presentation entitled ‘Making a Will won’t kill you’ is to take place in Beara, County Cork at Eyeries National School at 7.30pm on Tuesday 23 February 2016. Hosted by Eyeries NS Parents’ Association and delivered by Anne O’Carroll of Cascade Training Consultancy, this jargon-free presentation gives practical tips on how to make a will, what happens if you don’t and how best to provide for your loved ones, avail of tax breaks and ensure peace of mind. This event is a fund-raiser for the school and is open to all, but parents of young children or other dependents are particularly encouraged to attend. There will be a Question & Answer session afterwards and handouts will be provided.
South Dublin County Childcare Committee
Great outlook on Culture. I don’t feel as embarrassed or confused as I did.
Relaxed and fun, yet informative.
Enjoyed day immensely. Very entertaining, good use of examples relating to relevant topics and good pictures/notes on flip chart. Anne has great energy and very easy to understand and listen to. It changes viewpoint, gives communication skills to put in place for any difficult situations/conversations etc.
I found Communicating Across Language Barriers very hands-on and relevant.
Great group size meant all voices were heard.
Cascade tutors were very engaging and made the programme enjoyable.