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• If you think you’ve been unfairly treated when applying for a job

  Find out what you can do if you weren't offered a job because of discrimination against you

• Action your creditor can take

  Overview and content list for action your creditor can take. Find out what action your creditor can take, including what to do If you're being taken to court

• Template letters to creditors

  Overview and content list for template letters to creditors. Use our list of template letters to find the one that's most appropriate for your needs

• No money to pay creditors - letter

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

• 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

• Offer to non-priority creditor - letter

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

• 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

• Offer to non-priority creditor - 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