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• Q3 - reaching

  Help to fill in Q3: reaching for your ESA application. Find out what this means and how to correctly complete the question

• Ask non-priority creditors to write off a debt - joint letter

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

• Make an offer to non-priority creditors - letter

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

• Contact us about a Universal Credit application

  Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment

• Check what you have to do in the ESA work-related activity group

  Find out what you need to do if you’re in the work-related activity group

• 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

• Cancelling your debt management plan

  Reasons why you might want to cancel your debt management plan and things to consider before doing so, including how you will deal with your debts instead and whether you will get a refund of fees

• Debt management plan fees too high?

  Action you can take if you think the fees charged for your debt management plan are unfair, including a explanation of what counts as unfair