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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
No money to pay creditors - letter
Letter for when you have no money available to offer to your non-priority creditors
No money to pay creditors - joint letter
Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance
If you want to sell your home and rent it back
Check the risks of using sale and rent back schemes and the rules firms must follow
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
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
Administration orders
Overview and content list for administration orders. Read our advice about if it's right for you and problems with an administration order.
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