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• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating

• No money to pay creditors - letter

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

• 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

• Credit Union loans

  Information about credit unions, how credit union loans work and how to find a local provider

• 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

• Discharge from bankruptcy

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

• Claiming compensation from water companies

  How to claim compensation from a water company. Read this to find out more about the standards water companies must stick to and when you can claim