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• Request to write off a joint debt - letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Holding letter for joint account - ask creditors to hold off

  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

• Getting your ESA decision after an assessment

  Getting your ESA decision after an assessment from the DWP. Find out more about what happens after your work capability assessment

• If HMRC says you’ve had a tax credits overpayment

  How to check if HMRC are right about the tax credits overpayment and what to do next

• Creditor takes money from your bank account

  Information on third party debt orders to take money owed to you to pay creditors, how they affect your bank account and what to do if a frozen bank account leads to hardship

• Changing a court order for debt

  Information about changing or cancelling county court judgments (CCJ

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee

• Going to court without a solicitor or barrister

  If you’re going to a tribunal or court without a lawyer, find out where to get help to represent yourself and what a McKenzie Friend, the Support Through Court or an interpreter can do