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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

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice.

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• No money to pay creditors - letter

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

• How an administration order is managed over time

  Explains how an administration order is managed, including how payments work, reviews and what happens when the order ends

• How an administration order is set up

  Sets out the steps a court goes through in setting up an administration order

• Bailiffs

  Find out how to deal with bailiffs and complain if you’ve been mistreated

• If your circumstances change during your IVA

  Find out what to do if your circumstances change during your IVA, like your income goes up