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• Stop being chased for a parking ticket

  might have to pay court costs – and PCNs are increased by 50% if you don’t pay in time your credit rating could be affected the court could send bailiffs to take your belongings Contact your nearest Citizens Advice to find out your options if you can’t afford to pay the parking ticket.

• Disability discrimination and debt problems

  though they have your authority to do so. Example You've fallen behind on your credit card payments and your bank has now sent you a warning letter. You're deaf and you've asked a friend to call on your

• Check if something might be a scam

  on the on the National Cyber Security Centre website. Pay by debit or credit card Pay by card to get extra protection if things go wrong. Read our advice on getting your money back after you’ve been scammed. Know

• Applying for family visas or indefinite leave

  -employed, they'll need to upload the following documents showing your income for the last 2 years: bank statements for your business bank account audited accounts tax returns If you earned less money between

• Choosing your energy tariff

  owe money to your energy supplier, you could save money switching from prepayment to a credit tariff, where you pay for your energy after you use it. Check how to switch from prepayment to a credit

• Getting help with home improvements

  to get a government loan to help with interest payments. This is called 'support for mortgage interest’ (SMI). You might get SMI if you’re getting: Universal Credit Pension Credit income-based

• Stop your energy supplier moving you to prepayment

  statements payslips debit and credit card statements and bills receipts for things you pay for in cash Use the budget on the National Debtline website. You’ll create a document that you can keep. Make sure

• How a creditor can get information about your finances

  also use a budgeting tool. Before attending the court you'll also need to collect evidence of your financial situation. You'll need all your financial paperwork, such as: bank statements credit

• Asking your employer for changes to help you if you’re disabled

  or other doctor might have suggested adjustments in a ‘fit note’. If you’re claiming Universal Credit, your work coach might be in touch with the Disability Employment Adviser, who might also be able

• If you don’t pay your water bill

  extra costs. It will also mean that your credit rating isn’t affected. Each water company should have a code of practice for dealing with customers who owe money. Contact your company to ask for a copy