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• Debt relief order application refused

  Reasons why your debt relief order application might be refused and what you can do if you think the refusal is unfair or wrong

• Avoiding creditors making you bankrupt

  Lists actions you can take to avoid being made bankrupt by someone you owe money

• Your right to personal liberty

  Explains how the right to personal liberty is protected by article 5 of the Human Rights Act 1998 meaning you cannot be detained for reasons other than criminal activity or mental health issues

• Your right to freedom of religion and belief

  Explains how your right to hold and express a religious or non-religious belief is protected by article 9 of the Human Rights Act 1998 and when the article may be breached

• Find out who your gas or electricity supplier is

  Who to contact to find your energy supplier or Meter Point Reference Number

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working

• 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

• Loan sharks

  Information about illegal lending, how to check if a lender is properly licensed and what to do if you owe money to a loan shark

• Cost of an administration order

  Tells you how much an administration order will cost, how and when to pay and explains attachment of earnings orders