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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.

• Make an offer to non-priority creditors - letter

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

• 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

• Preparing to rent from a private landlord

  Find out how to decide whether to rent from a landlord or letting agent, how to search for a property and what questions you should ask before you rent a home

• Check how bankruptcy affects your belongings

  Find out what you can keep when you’re bankrupt. You can usually keep the things you need to live - for example your clothes, furniture and cooking equipment

• Timeline for bankruptcy

  Find out how to go bankrupt and the steps you need to take to apply. You'll need to follow the application process carefully when applying for bankruptcy

• If your local council discriminates against you

  Check what you can do if you’ve been discriminated against by a public authority - including if you need to take your local council to court

• Check the time limits for taking legal action about discrimination

  Information about acting within time limits, if you want to take legal action about discrimination and how to work out how the time limit applies to your case