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• Letter for repaying debt to your energy supplier

  Use this template letter to help you write to your supplier and ask to pay your debt back in small payments

• Check your options for getting out of debt

  Find out what help is available if you’re struggling to pay your debts, including breathing space, debt management plans, administration orders, IVAs, DROs and bankruptcy.

• If you can't pay your water bill

  What can happen when you owe your water company money and what you can do about it. Check what actions you can take

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable for.

• Debt relief restrictions orders

  Explains why you might have a debt relief restrictions order (DRRO) made against you if you did something against the rules when you applied for your DRO, or while the DRO is in force.

• 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.

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• 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.

• Making a plan to pay your debts

  Work out what you can afford and make a plan for paying debts like credit cards, store cards and payday loans.

• Help with debt

  Get help to work out how much money you owe and which debts you should pay back first.