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• 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

• Get a Universal Credit advance payment

  How to get an advance payment of Universal Credit if you don't have enough money to get by while you're waiting for your first Universal Credit payment.

• 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

• Timeline for bankruptcy

  Find out how to go bankrupt and the steps you need to take to apply. You'll need to follow the application process carefully when applying for bankruptcy

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• Reducing your monthly mortgage payments

  Check how to cut down your mortgage costs, including how to reduce your monthly payments and switch mortgage lender

• Get help if you use oil, LPG, coal or wood to heat your home

  If you use oil, wood, liquefied petroleum gas (LPG), biomass or coal to heat your home, you might be able to get help to pay your bills

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ