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• 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

• 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

• No money to pay non-priority creditors - letter

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

• Check your employment status

  Find out what your employment status is so you can understand how it affects your rights

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments.

• Check what tips and service charges you're entitled to

  Employers must pass on all tips to their workers. Check what the Tipping Act means for you

• The costs and charges of credit cards

  Information about interest and other charges, which may be incurred when using your credit card, including charges when buying things abroad, or for missed payments.

• Deciding if you should apply for SMI

  What to think about before you apply for support for mortgage interest (SMI) if you get benefits.