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• If you're working too many hours

  Check how many hours your employer can ask you to work and if you have to do overtime. Check how you can ask to reduce your hours

• Carers: help and support

  Help and support available for carers including social care needs assessments and financial help

• What to do if you've been sanctioned while on Universal Credit

  Check what you can do if you've been sanctioned on Universal Credit. Check how to challenge an unfair sanction and what you can do to avoid future issues.

• Get ready to fill in the work capability form for Universal Credit

  Find out what to do before you fill in the WCA50 form, so you can give the information you need

• 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

• No money to pay non-priority 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

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

  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

• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors