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• 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

• Personal loans

  Information about secured and unsecured personal loans, how they work and how to compare different loan products

• 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.

• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor.

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable for.

• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• How income, debts and belongings are assessed for a debt relief order

  Explains how an adviser assesses the value of your debts, income and belongings during the debt relief order application process.

• How to get a debt relief order

  Sets out the steps you need to follow in the process of applying for a debt relief order.