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• Q7 - communicating (hearing and reading)

  Help to fill in Q7: communicating (hearing and reading) for your ESA application. Find out what this means and how to correctly complete the question

• Q3 - reaching

  Help to fill in Q3: reaching for your ESA application. Find out what this means and how to correctly complete the question

• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Debt management plan fees too high?

  Action you can take if you think the fees charged for your debt management plan are unfair, including a explanation of what counts as unfair

• Q14 - coping with changes

  Help to fill in Q14: coping with changes for your ESA application. Find out what this means and how to correctly complete the question

• Ask non-priority creditors to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• Make an offer to non-priority creditors - letter

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

• No money to pay non-priority creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors