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• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards

• How much pension you'll need

  Advice on planning for financial commitments in retirement and saving for a pension

• Making a plan to pay your debts

  Work out what you can afford and make a plan for paying debts like credit cards, store cards and payday loans

• Check how much Universal Credit you'll get

  Work out how much Universal Credit you’ll get each month, including which elements you’re entitled to and how your income and savings affect your payment

• If you can't pay your water bill

  What can happen when you owe your water company money and what you can do about it. Check what actions you can take

• Grants and benefits to help you pay your energy bills

  Grants, benefits and other support, including Warm Home Discount, Winter Fuel Payment and Cold Weather Payment or Winter Heating Payment

• Getting a job or pay rise while on Universal Credit

  Find out what to do if you get a job or pay rise, when you can refuse a job offer and how a job or increased pay will affect your Universal Credit payment

• Dealing with Council Tax arrears

  What happens when you miss a council tax payment, and how to negotiate with your council to pay what you owe in smaller amounts

• How to apply for an IVA

  Find out how to apply for an individual voluntary arrangement (IVA). Before you start, make sure an IVA is the right debt solution for you

• Before you get work done on your home

  Check how to comply with permissions and regulations, avoid building disputes and problems with home improvements, renovations and repairs