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• Creditor takes money from your bank account

  Information on third party debt orders to take money owed to you to pay creditors, how they affect your bank account and what to do if a frozen bank account leads to hardship

• Negotiating your debt with bailiffs

  Find out how you can negotiate your debt with bailiffs - including working out your what you can afford and making a payment arrangement

• Check if you’re responsible for paying an energy bill

  Find out if you’re responsible for paying an energy bill. You usually have to pay for any gas or electricity you’ve used even if you haven’t signed a contract

• How a creditor can get information about your finances

  Information on what an order to obtain information is and what happens if a creditor obtains one to force you to reveal your financial situation

• Applying for family visas or indefinite leave

  Check how your family member can apply to live in the UK, extend their visa or get indefinite leave to remain

• Income protection insurance

  Information on income protection insurance, factors to consider before taking out income protection insurance and how to work out the level of cover you need

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• Check if you can increase your income

  Check you’re getting all the money you’re entitled to - including benefits, grants from charities and payments from government schemes