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• 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

• If your circumstances change during your IVA

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

• If you're struggling with your IVA payments

  Check what to do if you're struggling with your individual voluntary arrangement (IVA) payments

• Paying towards your debts after you go bankrupt

  While you’re bankrupt, you might be asked to make payments towards your debts if you have money left over after you’ve paid for the things you need. Find out more.

• Bailiffs

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

• How bailiffs should treat you if you're vulnerable

  Find out how bailiffs should treat you if you’re ‘vulnerable’ - including if you’re disabled, if you have a mental health problem or if you have young children

• Creditor trying to make you bankrupt

  You shouldn't ignore a statutory demand. Find out what to do if you get a statutory demand from someone who is trying to make you bankrupt

• Check if you can complain about mis-sold PPI

  Find out if you’ve had payment protection insurance (PPI) and if you can get your money back - it might have been added without telling you

• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems.

• Paying a court fine

  What happens if you don’t pay a court fine in time, including how to ask for more time to pay, and what to do if you can’t afford to pay