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• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors

• Ask non-priority creditors to hold off - joint holding letter

  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

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• Check how council tax works and if you have to pay

  Check if you have to pay council tax and what to do if you think your tax band is wrong. Check if you have to pay for an empty property

• If you need to find somewhere to live

  Help with finding accommodation including local authority services for homeless people, accommodation agencies and deposits and premiums

• Check your rights as a lodger

  Find out what rights you have if you're a lodger. You can also check what support you can get if you need help with housing

• Check your rights if you're an occupier with basic protection

  Check your rights if your landlord tries to evict you or increase your rent. Check if your landlord has to do repairs and your options if you want to leave.

• Getting a lodger

  What to think about before taking in a lodger and becoming a resident landlord