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• Ask non-priority creditors to hold off - joint holding letter

  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

• 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

• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors

• If your bank account is frozen after you go bankrupt

  Find out what to do if your bank account is frozen after you go bankrupt, including how to open a new account or get a prepaid debit card

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• You are taken to court for rent arrears

  Information about the procedure a landlord must follow in order to take a tenant to court for rent arrears, special rules for social housing landlords, notice periods, what happens and a court hearing and the type of orders a judge can make