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Counselling and Managing Personal Debt Level 2

Counselling and Managing Personal Debt Level 2
  • Counselling-Managing-Personal-Debt


This course is available in Online or Paper format.


This Counselling and Managing Personal Debt course is designed for people who :

  •          work in or intend to work in the field of personal debt counselling or
  •          wish to provide advice and guidance on solving debt problems or
  •          wish to manage their own personal finance situation more effectively

Additional Information

Online Or Paper

Online, Paper


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Counselling and Managing Personal Debt Level 2

Course code: SH229

Delivery method: Paper Based or Online

Course duration: 12 Months (Approx. 90 hours study time)

Entry requirements: No prior qualification needed

Award achieved: ABC Awards & Certa Awards Certificate of Achievement

The objectives of the course are to provide:

  • An overview of debt counselling
  • An awareness of the personal attributes required in debt counselling
  • An appreciation the communication skills required in debt counselling
  • An understanding of the debt resolution process
  • A grasp of the issues involved in dealing with creditors


This course consists of five units of study:

Unit 1 An Overview of Debt

  • Causes of debt
    • Individual Circumstances
    • Economic Reasons
    • Other Causes of Debt
  • Types of borrowing
  • Personal development
  • Creditor’s rights
    • Non-Court Actions
    • Court Actions
  • Office of Fair Trading debt collection guidance
  • How long can a creditor pursue a debt for?

Unit 2 Counselling Those in Debt

  • What is counselling?
  • The role of the counsellor
  • Values of counselling
  • Personal qualities
  • Communication skills
  • The counselling process
    • The physical environment
    • The five stages of counselling

Unit 3 Gathering Financial Information

  • Analysing current financial circumstances
  • Contacting all creditors
  • Deciding priorities
  • Preparing a financial statement

Unit 4 How to Maximise Income and Reduce Expenditure

  • Maximising income
  • Reviewing expenditure

Unit 5 How to Negotiate with Creditors

  • Negotiating with priority creditors
    • Dealing with arrears in;
      • Mortgages
      • Rent
      • Council Tax
      • Maintenance/Child support
      • Income Tax
  • Negotiating with secondary creditors
    • Dealing direct with creditors
    • Loan Consolidation
    • Debt Management Companies
    • Administration Orders
    • Individual Voluntary Arrangements (IVA)
  • Options available to those with no surplus money to pay creditors
    • Asking for debts to be written off
    • Debt Relief Order
    • Bankruptcy Personal development
  • Conclusion


  • Useful websites
  • Credit references
  • Useful addresses

Qualification Information

At the end of this course successful learners will receive a Certificate of Achievement from ABC Awards and Certa Awards and a Learner Unit Summary (which lists the components the learner has completed as part of the course).

The course has been endorsed under the ABC Awards and Certa Awards Quality Licence Scheme.  This means that Kendal Publishing Ltd has undergone an external quality check to ensure that the organisation and the courses it offers, meet defined quality criteria. The completion of this course alone does not lead to a regulated qualification* but may be used as evidence of knowledge and skills gained. The Learner Unit Summary may be used as evidence towards Recognition of Prior Learning if you wish to progress your studies in this subject. To this end the learning outcomes of the course have been benchmarked at Level 2 against level descriptors published by Ofqual, to indicate the depth of study and level of demand/complexity involved in successful completion by the learner.

The course itself has been designed by Kendal Publishing Ltd to meet specific learners’ and/or employers’ requirements which cannot be satisfied through current regulated qualifications.   ABC Awards/Certa endorsement involves robust and rigorous quality audits by external auditors to ensure quality is continually met.  A review of courses is carried out as part of the endorsement process.

ABC Awards and Certa Awards have long-established reputations for providing high quality vocational qualifications across a wide range of industries. ABC Awards and Certa Awards combine over 180 years of expertise combined with a responsive, flexible and innovative approach to the needs of our customers.

Renowned for excellent customer service, and quality standards, ABC Awards and Certa Awards also offer regulated qualifications for all ages and abilities post-14; all are developed with the support of relevant stakeholders to ensure that they meet the needs and standards of employers across the UK.

*Regulated qualification refers to those qualifications that are regulated by Ofqual / CCEA / Qualification Wales

Method of Study

Paper Based Version

The course comes to you as a paper-based pack delivered by courier.

You will be given guidance through the Study Guide on the nuts and bolts of studying and submitting assignments.

Postal assignments cannot be accepted without prior permission from the tutor.

Online Version

Our online courses are fully digitised versions of the paper-courses, so you can study on any PC or smart device when connected to the internet.

As with the paper course, your online learning programme is completely flexible, so you can study at a pace that suits you.

All of our online course content is broken down into bite size chunks to make your learning more manageable and effective.

Method of Assessment

The course contains a number of assignments which your tutor will mark and give you valuable feedback on. We call these Tutor Marked Assignments (TMAs). You need only send the TMAs to your tutor for comment, not the self-assessment exercises which are also part of the course to help you gauge your progress.

Course Length Information

This course can be taken over a 12 month period but you can complete it as fast or as slowly as you wish.

Tutor Support

You will have access to a tutor via email who will mark your work and guide you through the course and will assist you with any problems you may have. In addition you will be supplied with a comprehensive Study Guide which will help you through the study and assessment process.