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• 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

• 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

• Making a plan to pay your debts

  Work out what you can afford and make a plan for paying debts like credit cards, store cards and payday loans

• Reducing your monthly mortgage payments

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

• Taking legal action about human rights

  Things to think about when taking legal action about a breach of human rights, covering who can take action, time limits, remedies and judicial review

• If you're from Ukraine and your visa is ending

  Check if you can extend or switch your visa, and what to do if you can’t

• Reporting self-employed earnings if you get Universal Credit

  Work out your monthly earnings if you’re self employed. Find out how to report your earnings if you get Universal Credit and how to get help with doing

• Complaining about an energy efficiency home improvement

  How to complain about problems with energy saving improvements to your home, like your solar panels, heat pump or new boiler