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• Getting benefits if you’ve recently moved to the UK

  Check how to show you’re habitually resident, pass the ‘past presence test’ or pass the ‘3-month living in test

• Going to your Universal Credit interview and getting a decision

  Find out what happens at your Jobcentre Universal Credit interview, including what to bring and what to do if you have any problems

• Check if a change affects your SMI

  Find out if a change you report about your benefits also affects your support for mortgage interest (SMI

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• Ask non-priority creditors 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

• Contact us about a Universal Credit application

  Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment

• Creditors still chasing you after you go bankrupt

  After you go bankrupt, your creditors usually shouldn't contact you to ask you to pay your debt. There are some exceptions. Find out more

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one