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• Tell your supplier if you need extra support

  Sign up for priority services to get extra support reading your bills or meter, and priority help from your energy supplier in a power cut

• Get specialist immigration advice

  Check what help you can get from Citizens Advice or find a specialist immigration adviser.

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice.

• 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.

• Check if you can get 'new style' JSA

  Check if you can claim 'new style' Jobseeker's Allowance (JSA) - and how much you'll get - while you look for a full-time job

• 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

• 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

• No money to pay creditors - letter

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