This is a thoroughly practical and pragmatic guide for anyone involved in helping people out of debt - and keeping them out of it. Explained in jargon-free terms, it offers a comprehensive manual for every aspect of debt counselling, including: establishing the scale of the problem, facing reality/emergency action, sorting minor and serious debt problems, prioritising debts/types of debt, budgeting, dealing with creditors/negotiating debts, maximising income, insolvency, debt and the law...and more.