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• No money to pay creditors - letter

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

• 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

• 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 get a debt relief order

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

• 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

• 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

• 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

• Domestic abuse

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

• 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