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• 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

• 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

• 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

• 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

• 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

• You can't afford to top up your prepayment meter

  Ways you can make your prepayment meter more affordable, and how to get gas or electricity urgently if you've run out of credit

• Getting paid less than minimum wage or living wage

  Check if you're entitled to the minimum wage or living wage, make sure you're getting it, and what to do if you're

• Get ready for your Pension Wise appointment

  What you need to do to make the most of your Pension Wise guidance appointment at Citizens Advice

• 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

• Switching if you owe your energy supplier money

  Check if you can switch energy suppliers if you owe your current gas or electricity supplier money and what you can do if your supplier won't let you switch