Help to avoid Christmas debt trap 


Residents struggling with their spending in the run up to Christmas can get free budgeting advice.

Bolton Council’s money skills team are running free one-to-one sessions to help people prioritise their spending, budget for unexpected expenses, draw up a budget plan and work out the best way to pay bills.

The confidential workshops aim to help customers deal with their debts and put them back in control of their finances. The team can also refer customers to other partner organisations for more in depth advice.

Weekly sessions are also held at Bolton County Court to help home owners facing repossession for mortgage arrears.

Advisors look at all the options available to residents to prevent them from losing their homes including undertaking the Mortgage Rescue Scheme. Bolton Council has stepped in to help three homeowners keep their homes, through the scheme.

Homeowners can also get advice on dealing with court documents and receive assistance with liaising and negotiating with lenders.

Councillor Nick Peel, Bolton Council’s Executive Member for Housing, said: “It’s easy to fall into a Christmas debt-trap. There is a lot of help and advice that the team can offer to help families and struggling homeowners. Anyone finding it difficult to make ends meet should seek help as soon as possible.”

The free one-to-one sessions are being held in different venues throughout Bolton. For further details visit the website above, or contact the money skills team (details above). 

For more information on the Mortgage Rescue Scheme, contact the Home Ownership Service on 01204 335423, or email


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Media contact
Leena Chauhan
01204 332238
Further details
Money skills team
01204 331968