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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

• Q10 - staying conscious when awake

  Help to fill in Q10: staying conscious when awake for your ESA application. Find out what this means and how to correctly complete the question

• 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

• 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

• Letter to complain about a loan

  If you have a problem with a loan you can use this letter to complain

• 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.

• No money to pay non-priority creditors - letter

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