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• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Complaining about housing discrimination

  Complain about discrimination you've faced from a landlord, letting agent or someone else who’s involved in your housing

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Offer to non-priority creditor - letter

  Letter for when you have some money available to offer your non-priority creditors

• Creditor objects to an administration order

  Explains what happens if one of your creditors objects to the administration order and what to do if creditors are still chasing you, while the order is being set up

• Offer to non-priority creditor - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Creditors still chasing you after you go bankrupt

  Explains the situations when some creditors may still be able to contact you, after you go bankrupt

• Creditor has sent a statutory demand - bankruptcy

  Explains the need to act quickly, if you receive a statutory demand from someone who is trying to make you bankrupt

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance