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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.

• Request to write off a joint debt - letter

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

• 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.

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee.

• Your circumstances have changed - debt relief orders

  Explains the types of change in your circumstances that you must report to the Official Receiver and what could happen if you do not report them

• Creditors still contacting you - debt management plans

  Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you.

• Your debt management plan provider has closed

  What you should do next if your debt management company closes down. Debt management providers sometimes go bust or have their licence taken away.

• Rules debt management plan providers must follow

  Explains the rules, set by the Financial Conduct Authority, that all debt management plan providers must follow.

• Creditors still contacting you - debt relief orders

  Explains what to do if you are being chased for a debt covered by your debt relief order and the situations in which creditors are still allowed to contact you while the order is in place.