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With living costs continuing to rise, budgets squeezed and problem debt on the increase, no adviser should be without this essential guide to the practice and process of money advice in England and Wales. CPAG's bestselling Debt Advice Handbook provides the most comprehensive information needed by advisers on the key stages of money advice, including on interviewing clients, establishing liability, maximising income, prioritising debts, preparing a financial statement, negotiating with creditors and dealing with bailiffs. It also contains detailed information on the specific debts of students and self-employed people, and on how debts are enforced through the courts. Fully updated to cover all recent changes to legislation, caselaw and court procedure and practice, the Debt Advice Handbook is an indispensable resource for all debt advisers and is the set text for the Institute of Money Advisers' Certificate in Money Advice Practice, delivered in partnership with Staffordshire University. It is fully indexed, for ease of use, and cross-referenced to law, regulations and official guidance, and to court and tribunal decisions. Tactical guidance and examples are included throughout to help you navigate the complexities of the social security system.