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The article is based on information from the Citizens Advice Bureau, a reputable organization offering free, confidential, and impartial advice on legal, financial, housing, employment issues, and more.

With a team of experts, the bureau empowers individuals to make informed decisions and access resources to address challenges effectively, promoting social justice, equality, and positive change in communities.

Get help with the cost of living

• Get help with the cost of living

• Get help with costs if you have a child or you’re pregnant

Help with debt

• Start dealing with your debts

• Dealing with urgent debts

Using a food bank

• Using a food bank

Debt solutions

• Bankruptcy

• Individual voluntary arrangements (IVAs)

• Debt management plans

• Debt relief orders

• Administration orders

• Debt remedy tool

Budgeting

• Work out your budget

• Get help if you’re struggling to pay your bills

Mortgage problems

• Reducing your monthly mortgage payments

• Help dealing with mortgage debts

• If you want to sell your home and rent it back

• Selling your property to help pay off your mortgage debts

• If your mortgage lender takes you to court

• After your possession hearing

• Eviction for mortgage arrears

Rent arrears

• Dealing with rent arrears

• You are taken to court for rent arrears

• Eviction for rent arrears

Action your creditor can take

• Bailiffs

• If you're being taken to court for debt

• Changing a court order for debt

• How a creditor can get information about your finances

• Creditor takes money from your bank account

• If a creditor takes money from your wages

• Charging orders

• Harassment by creditors

Borrowing money

• Types of borrowing

• Getting the best credit deal

• How lenders decide whether to give you credit

• County court judgments and your credit rating - overview

• Credit cards

• Cancelling a loan or credit agreement

• Paying off a credit agreement early

• Top tips for borrowing

Banking

• Getting a bank account

• Stopping a future payment on your debit or credit card

• Banking – security and fraud

• Complaints about banks and building societies

• Your payment card was used without your permission – distance sales

Pensions

• Types of pension

• Starting a pension

• Nearing retirement

• Get ready for your Pension Wise appointment

Getting financial advice

• Getting financial advice

• Check if a financial service has followed the rules

Template letters to creditors

• Guidelines for using the letter templates

• Holding letter - ask creditors to hold off

• Holding letter for joint account - ask creditors to hold off

• No money to pay creditors - letter

• No money to pay creditors - joint letter

• Offer to non-priority creditor - letter

• Offer to non-priority creditor - joint letter

• Request to write off a debt - letter

• Request to write off a joint debt - letter

• Ending a joint hire purchase or a conditional sale agreement - letter

• Ending a hire purchase or a conditional sale agreement - letter

Gambling problems

• Get help with gambling problems

• If you're worried about someone's gambling

Getting tax advice

• Getting tax advice