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• 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.

• 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.

• Help with debt and rent arrears on Universal Credit

  You might be able to get financial help if you're on Universal Credit and are in debt, have rent arrears or are struggling with money. Check what help you can get.

• 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.

• 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

• 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.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• 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.