Cllr Mags MacLaren highlights help for those with debt problems Cllr Mags MacLaren highlights help for those with debt problems
Councillor Mags MacLaren has highlighted help that is available for those with debt problems. Data from the Institute for Fiscal Studies (IFS) showed one-sixth... Cllr Mags MacLaren highlights help for those with debt problems

Councillor Mags MacLaren has highlighted help that is available for those with debt problems.

Data from the Institute for Fiscal Studies (IFS) showed one-sixth of the poorest households in Britain were in arrears on repayments and bills.  A further 10% were spending at least a quarter of their monthly income on unsecured debts, such as credit cards and payday loans.  The IFS says their data shows debt was a “real problem” for a “significant minority” of low-income workers.

The author of the report, David Sturrock said: “Debt looks like a real problem for a significant minority of those on low incomes, who are not keeping up with bills and/or spending high fractions of their disposable income on debt repayment. Headline numbers are no guide to the scale of ‘problem debt’: distinguishing between debts that are entirely appropriate and those that look unmanageable is crucial.”

Cllr Mags MacLaren, SNP for Paisley Northwest, said: “This report from the Institute of Fiscal Studies (IFS) highlights that too many people are struggling to pay their bills so it’s important to let everyone know that help is available.

“Unsurprisingly, debt problems tended to more persistent for low income households with four out of every 10 of the poorest households spending more than a quarter of their income managing debt.

“However, it is important to let anyone struggling with debt know that help is available. For instance, Renfrewshire Council’s Advice Works is a free, confidential and independent service and will give advice in a straightforward manner.

“The advice works team can help with a wide range of money and debt advice issues including budgeting, negotiating with creditors, bankruptcy, mortgage and rent arrears, checking clients are getting all the benefits they are entitled to, help with forms, and lots more.”

To contact Advice Works either call 0300 300 1238 or email adviceworks@renfrewshire.gov.uk.





Advice Works is a free, confidential and independent service and will give you advice in a straightforward manner.

The team can help with a wide range of money and debt advice issues including budgeting, negotiating with creditors, bankruptcy, mortgage and rent arrears, checking you are getting all the benefits you are entitled to, help with forms, and lots more.

Please call to make an appointment to see one of the Advice Works advisors about welfare rights or issues with benefits or debts, call 0300 300 1238 from Monday – Thursday, 8.45am – 16.45pm & Friday 8.45am – 3.55pm

Advice Works have a drop-in service at the following locations, with no appointment needed:

Advice Works 
Johnstone Town Hall, 25 Church Street, Johnstone
Monday – Friday: 8.45am – 11am and 1pm – 3pm

Renfrewshire House
Customer Service Centre, Cotton Street, Paisley
Monday – Friday: 8.45am – 11am and 1pm – 3pm

Renfrew Health Centre 
10 Ferry Road, Renfrew
Tuesday, Wednesday, Friday: 8.45am – 11am

The following drop-ins are held fortnightly. Please call 0300 300 1238 to check the exact dates

Ferguslie Library
Tannahill Centre, Blackstoun Road, Paisley
Every 2nd Monday
10am – 11am

Charleston Centre
49 Neilston Road, Paisley
Every 2nd Tuesday
9am – 11am

Linstone Housing Association
17 Bridge Street, Linwood
Every 2nd Friday
9am – 11am




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