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• 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

• Creditors are still contacting you - administration orders

  Explains why creditors may still contact you while an administration order is in place and what to do if a creditor is harassing you

• Bankruptcy

  Overview and content list for bankruptcy. Read our advice on before you go bankrupt, how it affects you and the rules of going bankrupt. Find out more

• Request to write off a debt - letter

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

• 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

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ

• Debt has increased since debt management plan

  Explains what to do if your overall debt increases even though a debt management plan is in place, including asking for interest to be frozen, increasing payments and considering alternative debt solutions

• How bailiffs should treat you if you're vulnerable

  Find out how bailiffs should treat you if you’re ‘vulnerable’ - including if you’re disabled, if you have a mental health problem or if you have young children