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• 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

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• No money to pay non-priority creditors - letter

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

• Managing affairs for someone else

  Information on managing someone’s affairs including ordinary, lasting and enduring power of attorney, and mental capacity

• Problems getting to or topping up your prepayment meter

  What you can do if you can't get to your prepayment meter, can't top it up, or can't use

• Creditor objects to an administration order

  Explains what happens if one of your creditors objects to the administration order and what to do if creditors are still chasing you, while the order is being set up

• 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