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• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA

• Offer to non-priority creditor - 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

• Creditors still chasing you after you go bankrupt

  Explains the situations when some creditors may still be able to contact you, after you go bankrupt

• Creditor has sent a statutory demand - bankruptcy

  Explains the need to act quickly, if you receive a statutory demand from someone who is trying to make you bankrupt

• 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

• Asking your employer for changes to help you if you’re disabled

  Find out when your employer has a duty to make changes to help you with your disability

• Creditors are still contacting you - administration orders

  Explains why creditors may still contact you while an administration order is in place and what to do if a creditor is harassing you

• Challenging benefit decisions

  Overview and content list for challenging benefit decisions. Get help challenging decisions by the DWP or HMRC and complaining about benefits services

• Challenging a decision by the DWP or HMRC

  Information about challenging a decision by the DWP or HMRC. Find out more about asking for mandatory reconsideration and appealing against a benefit decision

• If you’ve been invited to an interview under caution for benefit fraud

  What to do if you’re asked to an interview under caution because you’re being investigated for benefit fraud