Introduction to Debt, Part 1 course outline:

3 hours on Day 1, including registration, course presentation & practice, break and time for questions

  • Overview of the debt advice process
  • BREAK
  • How to maximise income/consider acceptable expenditure

Aims
This part of the course gives an overview of the different stages of dealing with people in debt, including identifying debt triggers. It considers the different types of credit available and the legal framework behind them. It examines the difference between priority and non-priority debt and making initial contact with creditors. It also considers how to effectively maximise income and consider acceptable expenditure levels in a financial statement.

Objectives
By the end of Part 1, participants will:

  • Understand the stages of effective debt management.
  • Be able to identify different types of credit.
  • Know the difference between priority and non-priority debt.
  • Be aware of how to make effective contact with creditors and how the Breathing Space scheme operates.
  • Be able to maximise income for their client. 
  • Understand how the Standard Financial Statement operates and who can use it.
  • Be aware of appropriate levels of expenditure when completing financial statements.

Introduction to Debt, Part 2 course outline:

3 hours on Day 2, including registration, course presentation, break and time for questions

  • Completing the financial statement 
  • BREAK
  • Negotiating with creditors

Aims
This part of the course looks at how to complete a financial statement and calculate accurate pro-rata offers to creditors. It also considers a range of common problems that may be encountered and how to effectively deal with these.

Objectives
By the end of Part 2, participants will:

  • Know how to prepare a financial statement.
  • Be able to calculate pro-rata offers to creditors.
  • Understand how to deal with common problems with creditors.
  • Know what national resources (including face-to-face, telephone and online) are available to help clients deal with debt and when it is appropriate to refer to them.

Methods of delivery
This course is delivered online live with a BTC trainer. It is a practical course delivered using a combination of trainer presentation, exercises and case studies, group discussion and games. Participants will be provided with e-learning supporting material including PowerPoint slide handouts, a comprehensive training pack pdf and additional resources. There is a 20-30 minute break halfway through each part of the course.

Intended audience
This course is for staff who are new to helping people manage debt or who need a refresher of the basics. No previous experience is required. Please note – this course covers the law in England and Wales, it does not cover the law in Scotland.

Certificates & post course support
Participants will receive an e-certificate for completing both Parts 1&2 (6 hours) of any complete BTC course. This also guarantees eligibility to access our free 12 months post-course advice service (including priority entry to free webinars).

Course instructions
This online course is run over Zoom. In the week before the course, you will receive an email with Zoom link(s) and access the supporting materials. You will need to download (or print) the pack (and slides, if you wish) before each part of the course, unless you have selected a printed pack when booking.

Participants will need a good wifi connection and a suitable computer/laptop to access both the Zoom session and the pack throughout. You may wish to use a separate device for the pack (or split your screen) if you cannot or do not wish to print. We recommend participants log in a few minutes beforehand. You may also wish to have a pen and paper handy to make notes.