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• Moving to Universal Credit if you've got a migration notice

  You’ll have to move to Universal Credit when you get a letter from the DWP - this is a 'migration notice'. Your existing benefit will stop. Claim Universal Credit to keep getting financial support

• Reporting a change while you're on ESA

  What changes of circumstance to tell the DWP about while you're getting ESA, how to contact the DWP about the changes

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• 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

• Creditors still chasing you after you go bankrupt

  Explains the situations when some creditors may still be able to contact you, after you go bankrupt

• No money to pay creditors - letter

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

• No money to pay 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

• Your right to life

  Explains how the right to life is protected by article 2 of the Human Rights Act 1998 and when the article may be breached

• Check if a change affects your SMI

  Find out if a change you report about your benefits also affects your support for mortgage interest (SMI

• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards