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• Creditor trying to make you bankrupt

  or property which could be sold to pay back your debts to punish you, because they believe you've been fraudulent or broken promises to try to stop you from getting more credit in the future they think

• Check what compensation you can get for unfair dismissal

  Allowance and Attendance Allowance Tax Credits welfare benefits you got before your dismissal or after the tribunal hearing If you reach a settlement with your employer before the tribunal hearing

• Get help with a problem at work

  you have, including policies attached to credit cards and mobile phones, or contact your insurance company to find out if you’re covered. Legal aid You cannot get legal aid for employment cases unless

• Check how bankruptcy affects your home

  ’. If you want to move after going bankrupt, it might be harder to get a mortgage or a new tenancy for several years. This is because bankruptcy stays on your credit report for 6 years. If you rent your home

• Domestic abuse

  controlling your household finances including wages, benefits and bank accounts forcing you to hand over wages and money persuading or forcing you to take out loans and credit in your name stopping

• 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

• Eviction for mortgage arrears

  mortgage after you’ve been evicted You might have problems getting another mortgage.  There is a record of any payments you’ve missed on your file. This will affect your credit rating and might make

• Check if your dismissal is unfair

  if the policies include ‘legal expenses insurance’. It’s worth checking your: household insurance agreement with your credit card company If you’re not sure, contact the insurance company and ask them

• If you owe child maintenance

  so you should pay them before paying a credit card debt, for example. You can check what are priority debts. Even if you make a repayment offer, the CMS don’t have to accept it - they might decide

• 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