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• 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.

• If you’ve been told your energy supply will be disconnected

  What should happen before you're disconnected, circumstances in which you shouldn't be disconnected, the disconnection process, where to get more advice and support.

• Letter to complain about a loan

  If you have a problem with a loan you can use this letter to complain

• If you’re struggling to pay your heat network bills

  Find out what to do if you're having problems paying heat network bills or you owe money. Heat networks are sometimes called communal heating or district heating

• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards.

• If you're struggling with your overdraft

  Things you can do if you're struggling with your overdraft. Get advice on what to do if you're struggling to pay off your overdraft.

• Discrimination because of disability

  Get information about disability discrimination. Find out what counts as disability discrimination and disability discrimination and debt problems.

• Partners and bankruptcy

  Overview and content list for partners and bankruptcy. Read about joint debts and belongings if your partner is bankrupt and if your home is at risk.

• Check how bankruptcy affects your money and bills

  Find out what happens to your bank account when you’re bankrupt, how your bills might change and if you can keep money like your savings or pension

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early