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• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems

• Request to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• Request to write off a joint debt - letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• Payday loans - making a complaint

  How to complain to a payday loan lender, the Financial Ombudsman Service or a trade association about a payday lender that has not followed the Good Practice Customer Charter and the Financial Conduct Authority (FCA) rules

• Check if you can add income-based JSA to your claim

  If you're already getting contribution-based JSA, find out if you can get income-based JSA too

• 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.

• Your insurer refuses your claim

  Reasons why your insurer may refuse your insurance claim or will not pay out the full amount

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ