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• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor.

• Arguments for challenging a sanction

  Find out what makes a sanction unfair, how and when to challenge one, how to get more details about your sanction and where to get help challenging

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA).

• Work out which debts to deal with first

  Check which of your debts are ‘priority debts’ that you should deal with first.

• Check what fees bailiffs can charge

  Find out what fees bailiffs can charge and how to complain if you disagree with the fees

• 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.

• 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.

• 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.

• 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.