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• Struggling to pay - administration orders

  Action you can take if a change in circumstances makes it difficult to repay your administration order. Covers what creditors might do if you miss payments, review hearings and revoking the order

• Creditors still contacting you - debt relief orders

  Explains what to do if you are being chased for a debt covered by your debt relief order and the situations in which creditors are still allowed to contact you while the order is in place

• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• Make sure your redundancy is genuine

  Check what reasons your employer can give for making you redundant. Find out about signs that your redundancy might not be genuine

• Offsetting rent arrears because repairs haven't been done

  How rent arrears for social housing tenants can be offset against the damages for not making repairs if your landlord is taking possession proceedings against you because of rent arrears

• Debt relief order application refused

  Reasons why your debt relief order application might be refused and what you can do if you think the refusal is unfair or wrong

• Check you have the ‘right to reside’ for housing

  If you have pre-settled status or you’re waiting for a decision from the EU Settlement Scheme, check how to show you have the ‘right to reside

• If your mortgage lender takes you to court

  What to do if you get court papers, including how to fill in your defence form and what will happen at court