Over-indebtedness of impoverished households and its relevance to the social work profession have not received sufficient attention in the professional discourse. It is the intention of this article to put over-indebtedness on the professional agenda, to review the literature about it, and to present initial data from a study on over-indebtedness in Israel carried out with special attention to debtors' coping with their debts. The research was conducted as a door-to-door survey in a neighborhood with low socioeconomic characteristics and included questions about the nature of the debts, the strategies people use to cope with debts and the obstacles they face while doing so. Findings: The research findings indicate a severe debt problem among the participants. Out of 142 interviewees, 61% had debt that was overdue and 27% of them did not have an active bank account-a significant parameter of financial exclusion. Moreover, the proliferation of debts per household, and the high level of debt-to-income ratio also indicate high risk for financial exclusion. Notwithstanding, the findings indicate that most debtors made active efforts in order to close their debts, using two distinct strategies, namely: trying to reach a payment arrangement with the creditor or paying off the debt by increasing their financial resources. Most debtors used the first strategy, although it was found as the less successful one.

Abstract This article aims to present a Poverty-Aware Paradigm for Child Protection (PAPCP). The increasing scholarly recognition of the damaging impact of poverty, inequality and the neoliberal politics of ‘risk’ on child protection policy and practice, has highlighted the need for a justice-based and poverty-aware analytical framework for child protection social work. In order to create such a framework, we build upon Krumer-Nevo’s Poverty-Aware Paradigm (PAP)—that was first presented in a previous issue of the British Journal of Social Work—and adapt its paradigmatic premises to the context of child protection social work. By addressing ontological, epistemological and axiological questions underpinning the construction of risk and the practices utilised to deal with it, the article provides a clear, practical and applicable link between critical theories and everyday child protection practice. The PAPCP is presented against the background of the risk-focused paradigm currently dominating the child protection systems in both the authors’ countries—Israel and England.

In recent years, there has been an increase in scholarly writing on the theory and practice of critical social work with people living in poverty. Yet there is a lack of research on the experiences and perspectives of service users regarding this kind of practice. This paper presents a qualitative study that explored the practice of a special poverty‐aware social work programme in Israel, through the experiences of women who took part in it. Using an interpretative interactionist approach, in‐depth interviews with nine women were held three times over a 2‐year period. Findings reveal a high degree of satisfaction with the programme on the part of the women. The satisfaction was derived from four main experiences: the experience of visibility, the experience of the active partnership in the fight against poverty, the experience of close, hierarchy‐challenging relationships, and the experience of responsiveness to material and emotional needs. The findings are discussed in terms of three principles of practice: intervention in a real‐life context, relationship‐based intervention and the focus on both the material and emotional needs and their fulfilment.

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