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• 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

• Solve an ongoing consumer problem with a business seller

  The steps you can take if you’ve approached a seller about a problem with a product or service and you’re not getting anywhere, including alternative dispute resolution (ADR

• Get help if you’re struggling to pay your bills

  Check what help you can get if you’re struggling with money and you can’t afford to pay bills like energy, rent, internet or council tax.

• 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