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

  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.

• Make an offer to non-priority creditors - 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

• What happens after bankruptcy

  Explains what happens after bankruptcy, including what to expect when dealing with the official receiver after a bankruptcy order has been made

• Creditors still chasing you after you go bankrupt

  After you go bankrupt, your creditors usually shouldn't contact you to ask you to pay your debt. There are some exceptions. Find out more

• Who must comply with the public sector equality duty?

  Lists the type of public authorities which must comply with the public sector equality duty. Also explains when private organisations or charities must comply, when carrying out public functions

• No money to pay non-priority 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

• Q4 - picking up and moving things

  Help to fill in Q4: picking up and moving things for your ESA application. Find out what this means and how to correctly complete the question

• Q14 - coping with changes

  Help to fill in Q14: coping with changes for your ESA application. Find out what this means and how to correctly complete the question