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• Reducing your monthly mortgage payments

  Check how to cut down your mortgage costs, including how to reduce your monthly payments and switch mortgage lender

• Template letters to non-priority creditors

  Overview and content list for template letters to creditors. Use our list of template letters to find the one that's most appropriate for your needs

• Complaining about bailiffs

  Find out how to complain about bailiffs if you’ve been treated badly - and know what you can do if you’ve already complained

• While you're on an IVA

  Overview and content list for while you're on an IVA. Get information about if your circumstances change and if creditors are still contacting you

• While you're on Universal Credit

  Overview and content list for while you're on Universal Credit. Check how much you can get, reporting self-employed earnings and getting a budgeting advance

• Deciding if you should apply for SMI

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

• End a hire purchase or a conditional sale agreement - joint letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• End a hire purchase or a conditional sale agreement - letter

  Letter to end a hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more