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• If you owe child maintenance

  Find out what the CMS can do if you don't pay child maintenance and how they can recover payments

• No money to pay creditors - letter

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

• 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

• Creditors still chasing you after you go bankrupt

  After you go bankrupt, your creditors usually shouldn't contact you to ask you to pay your debt. There are some exceptions. Find out more

• 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

• How credit cards work

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

• Discharge from bankruptcy

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

• 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