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• 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

• Using a food bank

  How to get emergency food from a food bank. You can get a referral or look for a food bank that you don't need a referral for, such as ones run by a church

• Getting help with home improvements

  Check the types of grants and loans you can get to make improvements in your home - including the disabled facilities grant

• Check if your child can get a permanent right to live in the UK

  Check if your child can get indefinite leave to live in the UK, including the rules about your income

• Getting visas for your partner and children to live in the UK

  Check who can apply for partner and child visas, including the rules about your income

• Check the rules after you go bankrupt

  Find out the rules and restrictions when you're bankrupt. While you're bankrupt there's certain rules you need to follow, these are known as 'restrictions

• Ask the council to check if your rented home needs repairs

  If you’ve reported repairs to your landlord and they haven’t done anything, find out if the council can help you get the work done