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• Hire purchase and conditional sale

  of wages or benefits. If the company pauses your account, it’s a good idea to use this time to get debt advice. Talk to an adviser if you’re not sure how to repay your loan. If the company is offering you

• Collecting information about your debts

  Collecting information about your debts This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you owe money and you’re

• Creditors still contacting you - debt relief orders

  Creditors still contacting you - debt relief orders This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales A debt relief order

• Payday loans

  . Also, when a lender rolls over a loan, they’ll also need to give you an information sheet which tells where you can get free debt advice. If you are struggling to pay back what you owe or to manage

• Stopping bailiffs if you don't owe the debt

  Stopping bailiffs if you don't owe the debt This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you've got a letter from

• Cold called by a debt management plan provider

  Cold called by a debt management plan provider This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales A DMP provider will give

• After you've been dismissed

  . Check if your dismissal was unfair. You might not have much money for a while so you should check if you’re entitled to benefits and get advice on managing any debts you have. Being dismissed can

• Selling your property to help pay off your mortgage debts

  Selling your property to help pay off your mortgage debts This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you're

• Making a plan to pay your debts

  Making a plan to pay your debts This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Important You should deal with the most

• Switching from prepayment to paying by credit

  . You’ll also need to send a copy to your energy supplier. If you need help managing money you owe your energy supplier or anybody else, check our debt advice. If you can’t get to or top up your meter Tell