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• 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.

• Credit rating - impact of debt management plan

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

• 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.

• 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.

• What happens when a debt relief order is made?

  Explains what happens once a debt relief order has been made and your responsibility to report a change of circumstances, or information you forgot to include in the original application.

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one.

• 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.

• Do you need to pay for a debt management plan?

  Advantages and disadvantages of choosing a fee-charging debt management plan provider over on that offers a free service.

• 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