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Can you get out of debt with Universal Credit?

Universal Credit in the UK

Five years ago, the goverment issued some changes in the social aid system, and many credits such as the Jobseeker’s Allowance have been replaced by this universal tax credit. It is meant to make the bureaucracy and administrative costs of several allowances and social credits easier for the system and the citizens. People who are employed on low income, or are unemployed but looking for a job, can claim for an Universal Credit in the UK. Since this is a tax credit, it will be repayed with taxes in the following months. The Universal Credit is a monthly payment that is deposited in a selected account for as long as the person remains unemployed or on low income. When income increases, the tax credit decreases as much as possible without leaving the citizen below minimum wage.

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If you want to apply for Universal Credit, first you have to find out whether or not you are eligible. There are some prerequisites that you have to meet, in example a certain age range or a maximum amout of savings on your name. This information is often disclosed at many official websites, including the HMRC website. However, it is always useful to ask for an appointment and get your case reviewed by a member of the office’s staff, just to make sure that no exceptions apply in your case.  Read More...

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