Sometimes your tenants will have got themselves in a muddle with their finances and will need professional help. The best thing you can do here is to refer them to a reputable debt advice agency.
You need to be careful here, as some tenants will be offended if you do this, considering it to be none of your business. Others however may not know where to go and will be grateful. You will have to play it by ear.
If you want to do this, you may want to prepare a list of suitable agencies, perhaps giving details of local debt advice charities.
Often the best place for someone to go for advice is their local Citizens Advice Bureau, so you may want to add their local address and telephone number to your list. Other suitable organisations are the housing charity Shelter and the National Debtline.
Your tenants usually are best off avoiding companies who advertise debt advice services in the press. Often these are looking to earn commission from arranging a new ‘consolidating’ loan agreement for the tenant, which may not necessarily be the best solution for them.