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• Taking legal action about human rights

  Things to think about when taking legal action about a breach of human rights, covering who can take action, time limits, remedies and judicial review

• Selling your property to help pay off your mortgage debts

  Check what to think about before selling your property and what to do if you won’t make enough money to pay back your debts

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable

• Check what an IVA is

  Find out how an individual voluntary arrangement (IVA) works and the type of debts you can include

• Check your options for getting out of debt

  Find out what help is available if you’re struggling to pay your debts, including breathing space, debt management plans, administration orders, IVAs, DROs and bankruptcy

• Check which debts bankruptcy covers

  Find out which debts are cancelled when you go bankrupt, and what you’ll still have to pay

• Check how bankruptcy affects your home

  You might not have to move home if you go bankrupt. It depends on things like whether you rent or own your home, and who you live with. Find out more

• Challenging a Housing Benefit decision

  How to appeal if you've been refused Housing Benefit or your payments have been reduced

• If there’s a problem with your heat network

  Check who to contact and how to complain to your heat network supplier. Check when to complain to the Energy Ombudsman, and where to get more help

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance