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• 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.

• Complaining about debt management plan providers

  How to make a complaint to your debt management plan provider and taking a complaint to the Financial Ombudsman Service if you are unhappy with the provider's response.

• What happens at the end of a debt relief order

  How to check the date your debt relief order ends and get evidence from the Insolvency Service to prove it has ended.

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door.

• 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.

• Your debt management plan provider has closed

  What you should do next if your debt management company closes down. Debt management providers sometimes go bust or have their licence taken away.

• Your circumstances have changed - debt relief orders

  Explains the types of change in your circumstances that you must report to the Official Receiver and what could happen if you do not report them

• What happens when a debt relief order is made?

  Explains what happens once a debt relief order has been made and your responsibility to report a change of circumstances, or information you forgot to include in the original application.