Search

• How income, debts and belongings are assessed for a debt relief order

  Explains how an adviser assesses the value of your debts, income and belongings during the debt relief order application process

• Deciding whether to make a small claim

  Find out what you should consider before starting a small claim and when you can make one

• 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

• 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

• Debt relief restrictions orders

  Explains why you might have a debt relief restrictions order (DRRO) made against you if you did something against the rules when you applied for your DRO, or while the DRO is in force

• Paying towards your debts after you go bankrupt

  Find out what living costs you can keep paying for after you go bankrupt, and if you need to pay anything towards your debts

• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors

• Payment of benefits and tax credits

  Check how benefits and tax credits are paid - usually by direct credit transfer into bank, building society or Post Office card accounts. Find out about the Payment Exception Service if you can't use an account

• Check if a change affects your Universal Credit

  Check what change of circumstances you need to report and how they’ll affect your Universal Credit. This includes changes to your work, money or family life

• Using storage heaters and immersion heaters correctly

  Check how to use electric storage heaters and immersion heaters. Make sure you’re using your heaters correctly