Debt Counselling

This specialized DIXONTECH course empowers financial professionals, advisors, and counselors to provide effective debt counselling to individuals and organizations. The program focuses on financial assessment, client communication, repayment planning, and emotional intelligence in debt resolution. Participants will gain the tools to support clients in regaining financial stability, improving repayment behavior, and designing sustainable financial recovery strategies.

TRAINING TOPICS

• Understanding the Role of Debt Counselling
• Financial Assessment and Budget Analysis
• Causes and Consequences of Over-Indebtedness
• Client Communication and Financial Coaching Techniques
• Designing Debt Repayment and Restructuring Plans
• Negotiation Skills with Creditors
• Legal Frameworks and Consumer Protection
• Ethical Standards in Debt Counselling
• Stress Management and Emotional Resilience for Counsellors
• Case Studies on Effective Debt Resolution

BY THE END OF THIS TRAINING COURSE, DELEGATES WILL BE ABLE TO:

• Conduct complete financial assessments and diagnostics
• Advise clients on budgeting and repayment options
• Negotiate repayment plans with creditors
• Apply emotional intelligence in debt counselling
• Use communication tools to guide client behavior
• Support clients through long-term financial recovery
• Maintain ethical and professional standards in practice

TRAINING IS TAILORED TO:

• Financial counsellors and debt advisors
• Credit control and collection officers
• Loan officers and banking professionals
• Social workers supporting indebted clients
• Financial educators and community trainers
• Independent financial consultants

TRAINING METHODOLOGY

The course combines theory, role-playing, and practical workshops. Delegates will analyze real-life debt cases, practice client consultations, and develop personalized repayment plans. Interactive discussions and simulations enhance empathy, communication, and technical expertise, ensuring participants can guide clients effectively toward financial stability.

DAY 1

Introduction to Debt Counselling and Financial Well-being

• Define the role and purpose of debt counselling
• Identify psychological and financial aspects of debt
• Understand the impact of debt on behavior and decisions
• Explore types of debt and repayment obligations
• Assess ethical considerations in client interactions
• Review the debt counselling process overview

DAY 2

Financial Assessment and Budget Analysis

• Collect and interpret client financial data
• Develop comprehensive income and expenditure analyses
• Identify debt priorities and financial gaps
• Evaluate client repayment capacity and options
• Create personal budget plans for debt management
• Use tools for debt sustainability assessment

DAY 3

Debt Restructuring and Negotiation Techniques

• Develop customized repayment and consolidation plans
• Negotiate with creditors for favorable terms
• Understand settlement and restructuring agreements
• Apply negotiation psychology and persuasion tactics
• Manage conflict and maintain client trust
• Document agreements for accountability and transparency

DAY 4

Legal and Ethical Frameworks in Debt Counselling

• Understand national consumer credit laws and protections
• Review legal rights of debtors and creditors
• Manage confidential and sensitive client information
• Apply ethical standards and professional boundaries
• Address fraudulent or unethical financial behavior
• Analyze case studies of ethical dilemmas in counselling

DAY 5

Building Financial Resilience and Long-term Recovery

• Educate clients on sustainable financial practices
• Implement behavioral change and self-discipline methods
• Monitor progress and adjust repayment plans
• Encourage saving and future financial planning
• Manage emotional stress in counselling environments
• Build a professional framework for ongoing client support