Debt help whilst on benefits or disability benefits DLA.

Debt has become the most significant part of a lot of disabled people’s lives often as a result of their disability whilst living on a low income. Even when they are in receipt of Disability Living Allowance DLA, disabled people do not necessarily gain the additional mobility and care which DLA is intended to provide. In fact, the money is often used to pay bills and to make repayments against debts.

When a family has to start dealing with the onset of disability, financial concerns can often be neglected which in turn can lead to debt problems for disabled people and their carers. This can often also be due to a sudden drop in income because of the disability itself. Often debt is the result of meeting the cost of the disability, like moving to accessible accommodation or altering existing accommodation. Many disabled people with debt say that their mental and physical health deteriorates as a direct result of dealing with the debts themselves and made actually getting out of debt that much more difficult.

It is a proven fact that disabled people with debt who receive independent financial advice manage to stop the problem getting worse and often say it was a huge weight off their shoulders turning their lives around almost overnight.

Debt can have a direct impact on a disabled person’s health. Depression and anxiety are very common when dealing with debt and for those who already have mental health problems, the extra stress of can have serious consequences. Some people's physical health had been adversely affected by the anxiety associated with debt. If a person’s health deteriorates the chances of getting out of debt through employment are a lot less likely.

Some creditors can be less than constructive in their approach to dealing with people with a disability who are struggling with debt and their methods can often have serious consequences on their mental health which will seriously affect their ability to resolve the debt problem. Whilst some creditors are very sympathetic and try to accommodate people with a disability, most tend to fall short for various reasons, the main one being they just don’t understand the impact of debt on someone living with a disability. Sadly, this fact alone can make the entire problem worse.

At Lewis Alexander we understand the process of the debt line and how it impacts the lives of disabled people. We will listen carefully to your situation and will tailor a solution for you to start getting out of debt. The first step is to contact us today and let us help…guess what, it’s free too.

If you would prefer to phone us...call us now on 0800 018 6868.