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• While a debt relief order is in place

  Overview and content list for when a debt relief order is in place. Read information about what the process is when you have a debt relief order in place.

• Letter for repaying debt to your energy supplier

  Use this template letter to help you write to your supplier and ask to pay your debt back in small payments

• Help with debt and rent arrears on Universal Credit

  You might be able to get financial help if you're on Universal Credit and are in debt, have rent arrears or are struggling with money.

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future.

• 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.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• What happens at the end of a debt relief order

  How to check the date your debt relief order ends and get evidence from the Insolvency Service to prove it has ended.

• Debt management plan fees too high?

  Action you can take if you think the fees charged for your debt management plan are unfair, including a explanation of what counts as unfair.

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door.

• Complaining about debt management plan providers

  How to make a complaint to your debt management plan provider and taking a complaint to the Financial Ombudsman Service if you are unhappy with the provider's response.