Helping my neighbour in debt

Where there is a debt problem debt advice must be left to a debt specialist. But there is action that we can take that will really help.

• Act immediately: Many people wait at least a year before they ask for help. Don’t ignore the problem; it won’t just go away.
• Make the call: Many people don't know who to turn to when they are in financial difficulties. Encourage them to call the
  debt helpline, provided by leading charity, the Consumer Credit Counselling Service (CCCS). 0800 027 4995.
• Make the (debt freedom) journey with them: Help write letters to creditors; visit the Citizens Advice Bureau with them; they may be entitled to benefits. Treat them to coffee, to dinner; be practical in helping.
• Don’t advise but do listen: Debt is a terrible burden; it lets fear in and drives joy out. Friends need you to listen, not tell them what to do or make judgments.
• Warn against further debt: Help them to see the importance of setting a realistic budget and keeping a close eye on finances. If store and credit cards are a problem, advocate plastic surgery: have them cut up!
• Keep praying, keep giving: Encourage them to let God be part of the solution. Keeping some element of giving in the budget and trusting in him releases His provision (1 Kings 17: 8-16).