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• 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

• 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

• 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

• Discharge from bankruptcy

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

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• Get help with the cost of renting privately

  Check if you can get help to pay your rent or council tax. Check if you can get Universal Credit for housing costs or a council tax reduction

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause

• Offer to non-priority creditor - 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

• Offer to non-priority creditor - letter

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

• If a creditor takes money from your wages

  Information on attachment of earnings orders used to take money from your wages to pay back money owed to creditors