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• 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.

• 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. Check what help you can get.

• 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

• 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.

• Complaining about debt management plan providers

  How to make a complaint to your debt management plan provider and taking a complaint to the Financial Ombudsman Service if you are unhappy with the provider's response.

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door.

• 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.