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• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice.

• 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

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• Getting your housing plan from the council

  Check when the council will give you a housing plan. Check how it can prevent you becoming homeless or help you find a new home

• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland.

• Check if you can get 'new style' JSA

  Check if you can claim 'new style' Jobseeker's Allowance (JSA) - and how much you'll get - while you look for a full-time job

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel

• If your visa application is delayed

  How to find out what is happening to your visa, if it is delayed and you are waiting for a decision