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• Action your creditor can take

  Overview and content list for action your creditor can take. Find out what action your creditor can take, including what to do If you're being taken to court

• Claim back credit from your energy supplier

  Why your bill might be in credit, when to consider claiming back credit, how to claim back credit

• If your circumstances change during your IVA

  Find out what to do if your circumstances change during your IVA, like your income goes up

• Top tips for borrowing

  Top tips for borrowing money, taking out a loan or using a credit card.

• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor

• Deciding whether to make a small claim

  Find out what you should consider before starting a small claim and when you can make one

• Work out which debts to deal with first

  Check which of your debts are ‘priority debts’ that you should deal with first

• Check your options for getting out of debt

  Find out what help is available if you’re struggling to pay your debts, including breathing space, debt management plans, administration orders, IVAs, DROs and bankruptcy