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• 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.

• 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.

• Struggling to pay your debt management plan

  Tells you what to do if circumstances mean you are struggling to pay the debt management plan, emphasising the need to contact the provider and not ignore the problem.

• Check your options for getting out of debt

  Find out what help is available if you’re struggling to pay your debts, including breathing space, debt management plans, administration orders, IVAs, DROs and bankruptcy.

• 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

• Can your debt relief order be stopped?

  Explains the circumstances in which the Official Receiver can stop (revoke) your debt relief order and how to challenge their decision.

• 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.

• 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.

• 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.