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• Letter to cancel or return goods bought online, over the phone or by mail order

  Letter to cancel an online, phone or mail-order sale during the 14 day 'cooling off' period

• Check if you can get more time to deal with your debts (Breathing Space)

  Check if the Breathing Space scheme could give you more time to decide what to do next about your debt

• Court turns down application for an administration order

  Tells you what to do if your administration order application is refused

• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working

• 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

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating

• Credit rating - impact of an administration order

  Explains how having an individual voluntary arrangement could affect your ability to apply for credit