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• Make an offer to non-priority creditors - letter

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

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• Ask non-priority creditors to hold off - joint holding letter

  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

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Taking the first step if you need financial support

  If you need financial support, start by checking if you can get any benefits. You could get this financial help, even if you’re working or have savings

• Buying a home

  Get information on the process of buying a house. Check how to get a mortgage, how to make an offer and what to consider if you’re buying with others

• 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