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• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• Complaining about debt management plan providers

  How to make a complaint to your debt management plan provider and taking a complaint to the Financial Ombudsman Service if you are unhappy with the provider's response.

• Request to write off a joint debt - letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve.

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee.

• Your circumstances have changed - debt relief orders

  Explains the types of change in your circumstances that you must report to the Official Receiver and what could happen if you do not report them

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one.

• Rules debt management plan providers must follow

  Explains the rules, set by the Financial Conduct Authority, that all debt management plan providers must follow.

• Do you need to pay for a debt management plan?

  Advantages and disadvantages of choosing a fee-charging debt management plan provider over on that offers a free service.

• What happens when a debt relief order is made?

  Explains what happens once a debt relief order has been made and your responsibility to report a change of circumstances, or information you forgot to include in the original application.