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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 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 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

• No money to pay creditors - letter

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

• 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

• Get specialist immigration advice

  Check what help you can get from Citizens Advice or find a specialist immigration adviser

• How to apply for Universal Credit

  Find out how to apply for Universal Credit online. Find out more about the questions you need to answer, your ‘to-do list’ and the next steps

• 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

• Reporting changes that affect your PIP

  Changes you need to report that might affect your Personal Independence Payment (PIP) claim and how to report them

• Domestic abuse

  Find out what you can do when you're fleeing from violence in the home, including finding emergency accommodation