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• How to get a debt management plan

  Things to think about before you set up a debt management plan. Read about the steps you should follow to get a debt management plan.

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause.

• 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.

• Forgotten a debt - DROs

  Explains what to do if you realise you had forgotten to include a debt in your debt relief order application.

• How bailiffs should treat you if you're vulnerable

  Find out how bailiffs should treat you if you’re ‘vulnerable’ - including if you’re disabled, if you have a mental health problem or if you have young children

• If a creditor takes money from your wages

  Information on attachment of earnings orders used to take money from your wages to pay back money owed to creditors

• Debt relief order application refused

  Reasons why your debt relief order application might be refused and what you can do if you think the refusal is unfair or wrong.

• If you're being taken to court for debt

  Find out what to do if you’ve received a letter about a debt. If you owe money and you don't pay it back your creditor might take you to court.