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• Request 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

• No money to pay creditors - letter

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

• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards

• Claiming compensation from water companies

  How to claim compensation from a water company. Read this to find out more about the standards water companies must stick to and when you can claim

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause

• Creditors still chasing you after you go bankrupt

  After you go bankrupt, your creditors usually shouldn't contact you to ask you to pay your debt. There are some exceptions. Find out more

• 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