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• 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

• Discharge from bankruptcy

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

• Letter to complain to a phone company about cashback

  Use this letter to complain to a phone company that hasn't given you the cashback they promised

• What to do if you've been scammed

  Find out what steps to take after you've been scammed. This includes how to protect yourself, check if you can get your money back and report the scam

• Check how bankruptcy affects your job

  Your job might be affected if you apply for bankruptcy. Find out how bankruptcy affects your job and what work you can do after going bankrupt

• Check if you can get more time to deal with your debts (Breathing Space)

  Check if the Breathing Space scheme could give you more time to decide what to do next about your debt

• Letter to complain about non-delivery of goods

  Use this letter to 'make time of the essence' when an item you've ordered hasn't been delivered

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee