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• 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.

• 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

• If a creditor takes money from your wages

  Information on attachment of earnings orders used to take money from your wages to pay back money owed to creditors

• Tell your supplier if you need extra support

  Sign up for priority services to get extra support reading your bills or meter, and priority help from your energy supplier in a power cut

• Claim back credit from your energy supplier

  Why your bill might be in credit, when to consider claiming back credit, how to claim back credit

• How to get a debt relief order

  Sets out the steps you need to follow in the process of applying for a debt relief order

• Help with the cost of transport if you're disabled

  Find out if you're eligible for help with the cost of transport if you're disabled, for example free bus passes and railcards, and how to apply

• 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

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors