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• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• Creditors are still contacting you - administration orders

  Explains why creditors may still contact you while an administration order is in place and what to do if a creditor is harassing you

• Challenging a decision by the DWP or HMRC

  Information about challenging a decision by the DWP or HMRC. Find out more about asking for mandatory reconsideration and appealing against a benefit decision

• Complaining about benefits services

  Complaining about benefits services. You should consider complaining if the people dealing with your benefits claim or issue have handled it badly

• Bankruptcy

  Overview and content list for bankruptcy. Read our advice on before you go bankrupt, how it affects you and the rules of going bankrupt. Find out more

• Request to write off a debt - letter

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

• 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 has increased since debt management plan

  Explains what to do if your overall debt increases even though a debt management plan is in place, including asking for interest to be frozen, increasing payments and considering alternative debt solutions

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ

• Can your debt relief order be stopped?

  Explains the circumstances in which the Official Receiver can stop (revoke) your debt relief order and how to challenge their decision