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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

• Creditors still chasing you after you go bankrupt

  Explains the situations when some creditors may still be able to contact you, after you go bankrupt

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Repossession by your landlord's mortgage lender

  Check what happens if your landlord hasn't paid their mortgage. Check if you'll be evicted or if you have the right to stay

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments

• Check if a financial service has followed the rules

  Check what rules financial services need to follow, including banks, mortgage lenders and creditors, and how you can complain

• Benefits and concessions for the armed forces, veterans and their families

  Information on financial help available to people currently serving in the armed forces, veterans and dependents, covering benefits, help with school, child care and travel costs and sources of further help

• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards