There are a number of different ways that CAB advisers can help people to resolve a problem. Advisers don’t tell clients what to do, but explain their options and the possible outcomes of different courses of action. Clients are encouraged to make their own decisions and act on their own behalf. We enable clients to manage their own problems by focusing on their needs as individuals.

CAB advisers, most of whom are volunteers can:

• interview clients face-to-face and by phone to find out what the problems are

• access our regularly updated electronic information database for relevant information

• help clients to negotiate with companies or service providers such as creditors or to appeal against decisions, for example, social security benefit claims

• write letters or phone companies and service providers on behalf of clients

• help clients to prioritise their problems, for example, to sort out which debts are most important

• help clients with form filling, for example, to claim for social security benefits

• refer clients to CAB specialist caseworkers for complex problems or to other agencies when appropriate.