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• 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.

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

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• Ask creditors to hold off

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

• 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

• Going to court if your landlord won't do repairs

  Find out when it can be worth taking your landlord to court to get repairs done, find out how to fill in the court form and make sure you know what to say at the hearing

• If your debt is statute barred

  Steps you might be able to take if you’ve been contacted about a statute barred debt or action has been taken against you

• Complain about an insolvency practitioner

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

• Cancelling a service you’ve arranged

  When you can cancel a service, how to get your money back, how to negotiate with the business