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• 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

• 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

• 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

• 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

• 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

• Going to your Universal Credit interview and getting a decision

  Find out what happens at your Jobcentre Universal Credit interview, including what to bring and what to do if you have any problems

• 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