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• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• Paying your water bills if you're renting

  Payment issues and problems you may have as a tenant with your water bill and what you can do

• Creditors still contacting you - debt relief orders

  Explains what to do if you are being chased for a debt covered by your debt relief order and the situations in which creditors are still allowed to contact you while the order is in place

• Joint debts and belongings if your partner is bankrupt

  Explains what happens to any joint debts taken out with your partner, if they go bankrupt

• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe

• If you struggle to get around and you got PIP before 28 June 2018

  The DWP has reviewed PIP claims for people with mental health conditions. Find out if you should have got more PIP.

• Student housing - ending your agreement in halls

  Explains the rules about ending your tenancy or licence agreement when living in university halls of residence. Covers fixed term and periodic agreements, leaving before the agreement ends and getting your deposit back