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• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• Writing a complaint letter about bailiffs

  Check what to include in a letter complaining about bailiffs, and what you can ask creditors to do to solve your complaint

• Template letters to creditors

  Overview and content list for template letters to creditors. Use our list of template letters to find the one that's most appropriate for your needs

• No money to pay creditors - letter

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

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• How an administration order is set up

  Sets out the steps a court goes through in setting up an administration order

• How an administration order is managed over time

  Explains how an administration order is managed, including how payments work, reviews and what happens when the order ends

• Bailiffs

  Find out how to deal with bailiffs and complain if you’ve been mistreated

• If your circumstances change during your IVA

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