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• How to apply for an IVA

  Find out how to apply for an individual voluntary arrangement (IVA). Before you start, make sure an IVA is the right debt solution for you

• Making a controlled goods agreement

  Check how to make a controlled goods agreement with bailiffs and what to do if you break your agreement

• Work out your budget

  Use a budgeting tool to help you understand what you’re earning and spending and where you might be able to cut costs

• Budgeting

  Find out how to work out your budget and what to do if you’re struggling to pay your bills.

• Q15: additional information

  Help to fill in Q15: additional information for PIP. Find out what this means and get advice on how to complete the question

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• 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

• Check if your business is a microbusiness or a small business

  We provide official energy advice for microbusinesses and small businesses. Check our guidance to find out if your business is a microbusiness or a small business