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• Individual voluntary arrangements (IVAs)

  Find out if you're eligible for an IVA, how to make an application and get advice on solving any problems you have

• Living together and marriage - legal differences

  Differences between how the law treats married and cohabiting couples including financial matters, responsibility for children and housing

• 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

• 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

• Debt and money

  Get advice on dealing with debt, bailiffs, bankruptcy, pensions, tax and more

• Buying and selling a home

  Buying and selling a home Buying a home Calculate your monthly mortgage payments Selling a home Problems with buying and selling a home Problems with selling your home - delayed completion and lease

• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe

• If you've been sanctioned

  Get help if you've been sanctioned while on universal credit. We have advice on how to check your sanction and challenging it, and how to get hardship payment

• Information your debt management plan provider must give you

  Explains what to do if a debt management plan provider has not given you all the information you are entitled to when choosing or signing up for a debt management plan

• JSA appeals

  Information about JSA appeals. Get help if your JSA has stopped or been reduced, applying for hardship payment and appealing a decision at tribunal