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• Getting paid less than minimum wage or living wage

  money from your wages for accommodation Speak to your employer if you're not being paid the minimum wage or living wage If you're not getting the minimum wage when you should be getting it, your

• Check what an IVA

  child support arrears student loans magistrates' court fines Social Fund loans TV licence arrears If you have debts that can’t be included in the IVA, you'll have to deal with those separately so you

• Check which debts bankruptcy covers

  you go bankrupt is called the ‘official receiver’. Check what to pay while you’re bankrupt You still have to pay: student loans maintenance payments and child support payments, including any lump sum

• Reducing your regular outgoings

  - for example if: no one lives there you live alone you live alone apart from a live-in care worker people you live with are full-time students or apprentices someone you live with has a severe mental

• Check if you can get Child Benefit

  Benefit as long as your local council isn't paying towards the child's accommodation or maintenance. If you're not sure, contact your local council to check. If you have a partner or ex-partner Only one

• Getting your tenancy deposit back if you rent privately

  to get your deposit back. If your deposit isn't protected Not everyone's deposit needs to be protected. It doesn't need to be protected if, for example, you're a lodger or a student in halls. Check

• If you’re struggling to pay your phone, internet or TV bill

  on your TV licence if you’re registered blind, or live with someone who is. Check how to apply for the discount on GOV.UK. If you live in a care home or sheltered accommodation You might be able to get

• Get a hardship payment if you've been sanctioned

  of a child or young person you’re responsible for. 'Basic needs' include accommodation, heating, food and hygiene. You'll only be eligible if the reason you can't meet these needs is because

• Check if you have to pay a debt

  tax arrears You might be able to challenge a council tax bill if you: don’t think you're liable for it think the property is permanently exempt from council tax, for example if it’s a student halls

• Check what compensation you can get for unfair dismissal

  worth. For example, you might have had: pension contributions from your employer - you can find these on your payslip free or subsidised accommodation - check how much you’d have to pay to rent