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• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• 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

• 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

• Make an offer to non-priority creditors - letter

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

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• 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

• Ask non-priority creditors to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve