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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

• Creditors still contacting you - debt relief orders

  Explains what to do if you are being chased for a debt covered by your debt relief order and the situations in which creditors are still allowed to contact you while the order is in place

• 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

• 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

• If you're facing redundancy

  Get help if you’re at risk of redundancy or have been made redundant. Find out how to get the money you are owed and what to do next

• Struggling to pay - administration orders

  Action you can take if a change in circumstances makes it difficult to repay your administration order. Covers what creditors might do if you miss payments, review hearings and revoking the order

• Debt remedy tool

  An online debt remedy tool from the debt advice charity StepChange Debt Charity to help you work out your options if you are in debt

• Use our British Sign Language service to help you apply for Universal Credit

  You can use our British Sign Language (BSL) video service if you need help or advice with applying for Universal Credit and the early stages of your claim

• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• If your mortgage lender takes you to court

  What to do if you get court papers, including how to fill in your defence form and what will happen at court