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• 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

• 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

• 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

• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor

• 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

• 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 - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• 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