^{Hi, my name is Sandra Owens and I am Perennial's Senior Debt Adviser. The debt advice team started in 2007 and we are a small, friendly team of four. If you need to contact us we will always give you our names and direct contact details, and whenever possible you will speak to the same person each time.}

^{Taking control of your finances is not always easy but with our expertise and your own determination you will be able to face the future once more.}

^{Click here to read how we have helped other horticulturists or call us now on 0800 2944244 and take the first step today.}

Debt Advice &
Money Management

^{Seeking out good, professional advice on tackling your debt problem is likely to be one of the best financial decisions you ever make.
Perennial's debt advice service for horticulturists is free, impartial and completely confidential, and the guidance you receive will be tailored to your individual circumstances}

^{How we help}

Home visit from a friendly non-judgemental professional who will help you to understand your true situation and prepare a financial statement.

Our qualified debt advisers will assess your situation and contact you to talk through your options and agree a way forward.

With your permission we will negotiate with your creditors or if you prefer, we can give you the tools to do this for yourself and we will provide the support that you need.

We will help you to challenge unfair or illegal financial practices and if you are faced with court action we will act as your representative.

As qualified debt relief order intermediaries we can help you with DRO or bankruptcy paperwork. We can arrange court dates, attend with you and a Perennial grant may be available to meet the court fees.

Our casework team can help you to look at ways of maximising your income, minimising your expenditure and working out a household budget so that you can stay debt free. We may also be able to help with grant applications.