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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

• Creditors still chasing you after you go bankrupt

  Explains the situations when some creditors may still be able to contact you, after you go bankrupt

• 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

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable

• Check if a change affects your SMI

  Find out if a change you report about your benefits also affects your support for mortgage interest (SMI

• Discharge from bankruptcy

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

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• If your JSA has stopped or been reduced

  What to do if your JSA has stopped or been reduced because of a sanction. Check what help you could get while your JSA has stopped

• 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