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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

• Request to write off a joint debt - letter

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

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating

• Request 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

• Reporting a change while you're on ESA

  What changes of circumstance to tell the DWP about while you're getting ESA, how to contact the DWP about the changes

• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards

• Claiming compensation from water companies

  How to claim compensation from a water company. Read this to find out more about the standards water companies must stick to and when you can claim

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Get help with the cost of renting privately

  Check if you can get help to pay your rent or council tax. Check if you can get Universal Credit for housing costs or a council tax reduction

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause