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• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Letter to complain about a loan

  If you have a problem with a loan you can use this letter to complain

• Request to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• 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

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• 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

• 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

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee

• Getting your ESA decision after an assessment

  Getting your ESA decision after an assessment from the DWP. Find out more about what happens after your work capability assessment

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ