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• Check if going bankrupt is right for you

  Find out what to think about before you declare bankruptcy. Read our advice to decide if going bankrupt is the right option for you

• Your insurer refuses your claim when you don’t give relevant information

  What your responsibilities were to give information to your insurer before 6 April 2013, to help with any disputes with insurance taken out, renewed or changed before 6 April 2013.

• Who is responsible for repairing drains and sewers

  The difference between drains, lateral drains and sewers and who is responsible for repairing them, and asking a water company to adopt a private or unadopted sewer

• Stop getting junk mail

  Get help on how to reduce the amount of junk mail you get. There are some actions you can take to stop getting junk mail, follow these steps to reduce it.

• Dispute a mobile, phone, internet or TV bill

  Challenge a bill if you’ve been charged too much for your phone, internet or TV. Your provider might have got your bill wrong or your bill could be high because of fraud

• No money to pay non-priority 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

• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors

• 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