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• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Getting a permanent right to live in the UK if you have a family visa

  Check if you can apply for indefinite leave if you already have a family visa

• Getting visas for your partner and children to live in the UK

  Check who can apply for partner and child visas, including the rules about your income

• Your debt management plan provider has closed

  What you should do next if your debt management company closes down. Debt management providers sometimes go bust or have their licence taken away

• Get ready for your Pension Wise appointment

  What you need to do to make the most of your Pension Wise guidance appointment at Citizens Advice.

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have

• Student loans

  Information about student loans and Career Development Loan, who can apply, how to apply and sources of further information