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• How to apply for an IVA

  Find out how to apply for an individual voluntary arrangement (IVA). Before you start, make sure an IVA is the right debt solution for you

• Negotiating your debt with bailiffs

  Find out how you can negotiate your debt with bailiffs - including working out your what you can afford and making a payment arrangement

• Universal Credit payments if you're self-employed

  Find out how your self-employed Universal Credit payments work, including how the DWP calculates your payments based on your income floor

• How an administration order is managed over time

  Explains how an administration order is managed, including how payments work, reviews and what happens when the order ends

• Payday loans - making a complaint

  How to complain to a payday loan lender, the Financial Ombudsman Service or a trade association about a payday lender that has not followed the Good Practice Customer Charter and the Financial Conduct Authority (FCA) rules

• Contacting your energy supplier about a problem

  How to complain to your energy supplier, when to complain to the Energy Ombudsman, and where to get more help with your complaint

• Agreeing maintenance between you

  Find out what to include in a private child maintenance arrangement and where you can get help to make one

• Debt has increased since debt management plan

  Explains what to do if your overall debt increases even though a debt management plan is in place, including asking for interest to be frozen, increasing payments and considering alternative debt solutions

• The costs and charges of credit cards

  Information about interest and other charges, which may be incurred when using your credit card, including charges when buying things abroad, or for missed payments

• Dealing with mortgage arrears

  What happens if you miss a mortgage payment, including how to agree a repayment plan with your lender so you can pay your mortgage in smaller amounts