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• Offer to non-priority creditor - letter

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

• 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

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA

• Offer to non-priority creditor - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Challenging an eviction with discrimination law

  Find out how you can defend your eviction by telling the court about discrimination from your landlord

• Appealing a JSA decision at a tribunal

  How to appeal against a JSA decision by appealing to an independent tribunal. Check what your options are if your mandatory reconsideration has been refused

• Deciding what to do about housing discrimination

  Find out what you can do to solve your problem and get everything ready before you take action

• Creditor has sent a statutory demand - bankruptcy

  Explains the need to act quickly, if you receive a statutory demand from someone who is trying to make you bankrupt

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• If you think you’ve been unfairly treated when applying for a job

  Find out what you can do if you weren't offered a job because of discrimination against you