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• 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.

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.

• Rent and mortgage arrears - administration orders

  Lists the types of debts which can be included in an administration order, those that can't (and what to do about them), the limit on the amount of debt and whether to include joint debts.

• Joint debts and belongings if your partner is bankrupt

  Explains what happens to any joint debts taken out with your partner, if they go bankrupt.

• Checklist for deciding if an administration order is right for you

  Checklist to help you decide whether an administration order is the best solution for dealing with your debt problems.

• Court turns down application for an administration order

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

• County court judgments and your credit rating - overview

  How to find out if a CCJ has been made against you and change or remove an entry in the Register of Judgments, Orders and Fines

• Creditor has sent a statutory demand - bankruptcy

  Explains the need to act quickly, if you receive a statutory demand from someone who is trying to make you bankrupt

• Dealing with Council Tax arrears

  What happens when you miss a council tax payment, and how to negotiate with your council to pay what you owe in smaller amounts

• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors