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• Ask non-priority creditors 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

• Q3 - reaching

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

• Q7 - communicating (hearing and reading)

  Help to fill in Q7: communicating (hearing and reading) for your ESA application. Find out what this means and how to correctly complete the question

• Making sure your flat is fire safe

  Find out how to make sure your home is fire safe, and who is responsible for fire safety

• If you disagree with your neighbour about a wall or fence

  Check what to do if you’re arguing about boundaries. Check what happens if you can’t agree about a wall or fence that’s causing problems

• 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

• 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