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• Q7 - communicating (hearing and reading)

  Help to fill in Q7: communicating (hearing and reading) for your ESA application. Find out what this means and how to correctly complete the question

• Q3 - reaching

  Help to fill in Q3: reaching for your ESA application. Find out what this means and how to correctly complete the question

• Taking the first step if you need financial support

  If you need financial support, start by checking if you can get any benefits. You could get this financial help, even if you’re working or have savings

• Ask non-priority creditors to write off a debt - joint letter

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

• Make an offer to non-priority creditors - letter

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

• Creditors still contacting you - debt management plans

  Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you

• Q10 - staying conscious when awake

  Help to fill in Q10: staying conscious when awake for your ESA application. Find out what this means and how to correctly complete the question

• No money to pay non-priority 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