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• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice.

• No money to pay non-priority creditors - letter

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

• 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

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause

• 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

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Q10 - staying conscious when awake

  Help to fill in Q10: staying conscious when awake for your ESA application. Find out what this means and how to correctly complete the question

• Q9 - controlling your bowels and bladder and using a collective device

  Help to fill in Q9: controlling your bowels and bladder and using a collective device. Find out what this means and how to correctly complete the question