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• No money to pay non-priority creditors - letter

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

• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• Make an offer to non-priority creditors - letter

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

• Vehicle insurance if the accident wasn't your fault

  What to do if the accident wasn’t your fault and what you need to think about before your vehicle is repaired

• 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

• 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.

• 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.

• If your child is living in the UK illegally

  How to get your child a legal immigration status, such as British citizenship or ‘discretionary leave to remain’, if they are under 18 and living in the UK illegally