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• 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

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• 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

• Check how to switch your internet, phone or TV provider

  How to switch your landline, mobile phone, internet or TV provider to get a cheaper deal

• If a creditor takes money from your wages

  Information on attachment of earnings orders used to take money from your wages to pay back money owed to creditors

• 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

• Domestic abuse

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

• 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