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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

• Paying a court fine

  What happens if you don’t pay a court fine in time, including how to ask for more time to pay, and what to do if you can’t afford to pay

• If your local council discriminates against you

  Check what you can do if you’ve been discriminated against by a public authority - including if you need to take your local council to court

• 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

• 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

• Reapply for Universal Credit

  Reapply for Universal Credit if you need to claim it again. If you've claimed before, you might not have to go through the full application again

• Agreeing maintenance between you

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

• 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

• Making a controlled goods agreement

  Check how to make a controlled goods agreement with bailiffs and what to do if you break your agreement

• 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