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• Q12 - awareness of hazards or danger

  Help to fill in Q12: awareness of hazards or danger for your ESA application. Find out what this means and how to correctly complete the question

• Complain about an insolvency practitioner

  Find out the steps to complain about the insolvency practitioner dealing with your individual voluntary arrangement (IVA

• 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

• Creditors still contacting you - debt relief orders

  Explains what to do if you are being chased for a debt covered by your debt relief order and the situations in which creditors are still allowed to contact you while the order is in place

• Making a plan to pay your debts

  Work out what you can afford and make a plan for paying debts like credit cards, store cards and payday loans

• Maternity leave - your options when it ends

  Decide whether or not to return to work, and know your rights over working part-time and paying back maternity pay

• What to do if your mobile phone is lost or stolen

  Find out what to do if your mobile phone is lost or stolen. You should report it to your network provider, and if it was stolen report it to the police

• Administration order court hearing

  Explains why you might have to attend a court hearing in the process of applying for an application order and what happens at the hearing

• What your landlord can charge you for energy

  How much your landlord can charge you for energy, how to check they're charging the right amount, what to do if they charge you too much

• Q14 - coping with changes

  Help to fill in Q14: coping with changes for your ESA application. Find out what this means and how to correctly complete the question