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• Pawnbrokers

  Information about what a pawnbroker is and what happens if you are unable to repay your loan, lose your ticket or do not collect the goods

• You might have to go to court as a witness

  What to do if you've been told you might have to go to court as a victim or witness including information on who'll contact you about the trial

• Your medication and other treatment

  The DWP wants to know about your medication and any treatment you're having - it’ll help them get a better picture of your situation

• 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

• Get ready for your Pension Wise appointment

  What you need to do to make the most of your Pension Wise guidance appointment at Citizens Advice.

• 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

• Misled by a debt management plan provider

  How to complain about a debt management plan provider if they have misled you in their marketing, advertising or promotion, or made other misleading claims

• Your right not to be tortured or treated in an inhuman way

  Explains how article 3 of the Human Rights Act 1998 protects you from torture or inhuman treatment, which causes you severe mental or physical suffering

• Taking rest breaks at work

  Find out what rest breaks you should get at work and what to do if your employer won't let you take them

• Joint debts and belongings if your partner is bankrupt

  Explains what happens to any joint debts taken out with your partner, if they go bankrupt