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• Ask non-priority creditors 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

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• What happens after bankruptcy

  Explains what happens after bankruptcy, including what to expect when dealing with the official receiver after a bankruptcy order has been made

• Letter to complain about a loan

  If you have a problem with a loan you can use this letter to complain

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice.

• No money to pay non-priority creditors - letter

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

• Ask non-priority creditors to write off a debt - joint letter

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