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• No money to pay non-priority creditors - letter

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

• Make an offer to non-priority creditors - letter

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

• 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

• Is your home at risk if your partner is bankrupt?

  Explains what could happen to your home, if you own or rent it jointly with a partner who goes bankrupt

• 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

• 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

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one