Tracy Stone, Director of Welfare Together, is focused on public sector debt, welfare support and early intervention in local authority collections. This episode we explore why households are falling into arrears, how council tax and utility debts differ from consumer credit, and why middle-income customers are increasingly affected by cost-of-living pressures. 

The discussion highlights the need for earlier engagement, income maximisation, benefit checks, single-customer views, better financial education and a more preventative approach to collections. It also considers the role of AI in identifying customers who need support, while emphasising that human judgement and empathetic conversations remain central to effective customer outcomes.

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