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• Check your options for getting out of debt

  Find out what help is available if you’re struggling to pay your debts, including breathing space, debt management plans, administration orders, IVAs, DROs and bankruptcy.

• Misled by a debt management plan provider

  How to complain about a debt management plan provider if they have misled you in their marketing, advertising or promotion, or made other misleading claims.

• Letter for repaying debt to your energy supplier

  Use this template letter to help you write to your supplier and ask to pay your debt back in small payments

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable for.

• Debt relief restrictions orders

  Explains why you might have a debt relief restrictions order (DRRO) made against you if you did something against the rules when you applied for your DRO, or while the DRO is in force.

• 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.

• Grants and benefits to help you pay your energy bills

  Grants, benefits and other support, including Warm Home Discount, Winter Fuel Payment and Cold Weather Payment or Winter Heating Payment