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• 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

• Compare energy suppliers' customer service

  Don’t switch before you compare customer services. Large energy companies ranked by number of complaints, wait times and commitments. Check your supplier

• Check if you’re protected from disability discrimination

  Understand how the Equality Act defines disability. The Equality Act is the law that stops employers, businesses and providers discriminating against you

• Harassment by creditors

  How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are being harassed

• Writing off some of your debt if you apply for an administration order

  Tells you how to ask for a composition order, as part of an administration order, to get part of your debt written off

• 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

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision

• Check what happens if you win your employment tribunal case

  Find out what you can do if your employer won't pay compensation, if you have to pay tax on your compensation and if compensation will affect your benefits