Debt & Money Matters

An important change in someone’s situation can be when they fall into debt and this is one of the most frequent causes of distress. Monetary changes happen quickly and through no blame of your own. Whether it may be as a result of job redundancy, poor health or a breakdown in marriage, changes like this can result in debt. If this occurs it’s important to get debt advice as soon as possible. Having to adjust to such a financial change can be difficult, even if it’s only going to be for the short term. HOF aims to provide help and practical advice to help improve situations based on the most common types of life changes we come across.


  • help cash flow
  • stabalise income stream
  • remove bad debt
  • help clear records