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• 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

• 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

• 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

• Taking the first step if you need financial support

  If you need financial support, start by checking if you can get any benefits. You could get this financial help, even if you’re working or have savings

• 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.

• 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

• 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