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• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA

• Offer to non-priority creditor - 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.

• Offer to non-priority creditor - letter

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

• You can't afford to top up your prepayment meter

  Ways you can make your prepayment meter more affordable, and how to get gas or electricity urgently if you've run out of credit

• Compare how much electrical appliances cost to use

  Find out which appliances use more electricity

• Charging orders

  Information about what you can do if a creditor applies for a charging order against your property

• If bailiffs say they'll sell your belongings

  Find out how to get your belongings back if bailiffs say they’ll sell them

• Applying for a JSA hardship payment

  Find out who can get a JSA hardship payment and how much you’ll get. Find out how to apply for a JSA hardship payment

• Arranging financial support after you separate

  If you're married or in a civil partnership, you can apply for financial support (‘spousal maintenance’) from your ex when you separate. Find out more about what you can get or need to pay

• Letter to switch energy supplier if you have a prepayment meter

  Use this template letter to complain if your energy supplier won't let you switch because you have a prepayment meter