In this course, you will delve into the concept of unaffordable debt solutions. Understanding the options available to consumers in difficult financial situations is crucial for providing effective guidance and support. You will explore debt management plans, debt consolidation, individual voluntary arrangements (IVAs), and bankruptcy as potential solutions, ensuring you can assess their suitability based on individual circumstances.   Sources of debt counselling play a vital role in assisting consumers with their financial difficulties. This course will provide you with an understanding of the various sources of debt counselling available, such as charities, debt advice agencies, and independent financial advisor's. By recognising these resources, you can help consumers access the support they need.   Vulnerable customers require special consideration when providing debt advice. This course will delve into the challenges faced by vulnerable individuals, including those with physical or mental health issues, low income, or limited financial literacy. You will learn how to identify and support vulnerable customers, ensuring their unique needs are addressed and their rights protected.   Financial difficulty can arise due to unforeseen circumstances or poor financial management. Understanding the causes and consequences of financial difficulty enables you to offer practical and tailored advice to consumers. This course will explore budgeting, income maximisation, and debt prioritisation as strategies to help individuals overcome financial challenges.   Disproportionate action refers to unfair or excessive actions taken by lenders or debt collectors in response to a consumer's financial difficulty. This course will equip you with the knowledge to identify and address disproportionate action, ensuring fair treatment and compliance with the Consumer Credit Act.