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• Q6 - communicating (speaking, writing and typing)

  Help to fill in Q6: communicating (speaking, writing and typing) for your ESA application. Find out what this means and how to correctly complete the question

• Becoming a British citizen

  Check if you can apply for British citizenship - find out what you need to be eligible, and how long you have to live in the UK before applying

• Check if a change affects your Pension Credit

  Find out what changes of circumstances you have to report to make sure you get the right amount of Pension Credit

• Dealing with income tax arrears

  What happens if you miss the income tax deadline, including what the penalties are for not paying tax on time, and how to negotiate a time to pay agreement with HMRC

• Make an offer to non-priority creditors - letter

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

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one.

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• Dealing with mortgage arrears

  What happens if you miss a mortgage payment, including how to agree a repayment plan with your lender so you can pay your mortgage in smaller amounts