Debt Adviser

As a debt adviser, you meet with people who are worried about money and help them find a way forward. They might owe money to banks, utilities, credit card companies or the tax office - and they're often stressed and embarrassed. Your job is to help them understand what they owe, which debts are most urgent, and what they can realistically pay.

You'll sit down with each client, go through their finances carefully, and build a debt plan tailored to their situation. Then you'll negotiate with their creditors to ask for lower payments or longer to pay. You'll also teach them budgeting skills and help them understand where their money goes. You'll keep detailed notes on their progress and check in regularly to see how they're doing. The hardest part is dealing with upset clients, but the most rewarding part is when someone gets back on track and tells you they feel in control again.