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• While you're on Universal Credit

  Overview and content list for while you're on Universal Credit. Check how much you can get, reporting self-employed earnings and getting a budgeting advance

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• 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

• Claiming Universal Credit

  Get help and advice on claiming universal credit. We offer help with applying, reapplying, going for your interview and how to get an advanced payment

• Stopping bailiffs if you don't owe the debt

  Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct

• Mortgage problems

  Check what help is available if you’re struggling with your mortgage payments, and what to do if your mortgage lender wants to evict you