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• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice.

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors.

• Using a food bank

  How to get emergency food from a food bank. You can get a referral or look for a food bank that you don't need a referral for, such as ones ran by a church.

• Request to write off a debt - letter

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

• No money to pay 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.

• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working.

• Forgotten a debt - DROs

  Explains what to do if you realise you had forgotten to include a debt in your debt relief order application.

• Taking rest breaks at work

  Find out what rest breaks you should get at work and what to do if your employer won't let you take them.

• Pet gets ill or dies after buying

  If you recently bought a pet and it soon becomes ill or dies you may have a right to get a refund or replacement from the trader you bought it from.

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early