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• No money to pay 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

• Help with the cost of transport if you're disabled

  Find out if you're eligible for help with the cost of transport if you're disabled, for example free bus passes and railcards, and how to apply

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee

• Help with school costs

  Find out what help you can get to pay for school lunches, uniforms and transport if you’re on a low income

• If you want to sell your home and rent it back

  Check the risks of using sale and rent back schemes and the rules firms must follow

• What is Universal Credit?

  What is Universal Credit and how it works - including how it's different from other benefits and what other benefits you can claim at the same time.

• Carers: help and support

  Help and support available for carers including social care needs assessments and financial help

• If you’re injured because of an accident at work

  What to do if you’re injured because of an accident at work. You can have your accident recorded by reporting it at work and seeing a doctor

• If you've been refused reasonable adjustments

  If you didn't get the adjustments you need, check if you've experienced a type of discrimination called ‘failure to make reasonable adjustments

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct