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How income, debts and belongings are assessed for a debt relief order
Explains how an adviser assesses the value of your debts, income and belongings during the debt relief order application process.
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Help with debt and rent arrears on Universal Credit
Financial help if you're on Universal Credit and are in debt, have rent arrears or are struggling with money, eg budgeting loans, alternative payment arrangements, how to talk to your landlord or creditor.
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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 for.
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Joint debts and belongings if your partner is bankrupt
Explains what happens to any joint debts taken out with your partner, if they go bankrupt.
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Stopping bailiffs if you don't owe the debt
Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money.
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Complaining to a debt management company about an IVA
Tells you how to make a complaint about a debt management company, if you are not happy with their service.
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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.
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Work out which debts to deal with first
Check which of your debts are ‘priority debts’ that you should deal with first.
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Getting tax advice
Check where you can get help with a tax problem.
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- Debt and money
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Letter for repaying debt to your energy supplier
Use this template letter to help you write to your supplier and ask to pay your debt back in small payments