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Debt and money

Don’t let debt and money problems mount up

We can offer advice to get your money situation back on track. Whether you have questions about your rent or you’ve found yourself in a lot of debt, we can give you information and guidance on a range of different financial issues.

CARF can provide you with advice and information about:

  • Maximising your income – making sure you’re getting all the money you are entitled to
  • Minimising your expenditure – helping you keep outgoings low
  • Opening a bank account – especially if you’ve had credit problems
  • Payday loans – these can be easy to get but much harder to pay back
    dealing with your creditors
  • All the debt management options available to you (this will depend on your circumstances)
  • Applying to the Debt Arrangement Scheme (where this is appropriate for you)
  • Completing a bankruptcy form (where this is appropriate for you)
  • Threatened evictions and/or repossessions due to debt
  • Making referrals to other agencies for further assistance.

Visit our online portal

Our online portal lets you contact an adviser without picking up the phone. You can securely enter your information and upload any relevant documents, allowing us to begin helping you sooner.

Self Service Portal

Self-help Resources

Self-help site

If you're not able to come in and see us, have a look at our online tools. You might find just the answer you need.

Get Help Fife

Find out what income support and benefits you may be eligible for.

Lightning Reach

Lightning Reach helps individuals connect to multiple forms of support quickly and with dignity.