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Free and impartial help with money and pensions.

• Updated: 21 December 2017

What happens if someone makes a money claim against you, saying you owe them money, and how you can respond or defend yourself

• Overview

  You’ll get a letter or email if someone claims you owe them money. You…

• Respond to a claim online

  You’ll need to know which service was used to make the claim. Check your…

• Respond to a claim by post

  If the claim was made using a paper form, you should respond by post. You…

• Resolve the claim through mediation

  Mediation is when an impartial professional (the mediator) helps both…

• Going to a court hearing

  You might have to give more information at a hearing if your offer is…

How to issue a winding up petition - forms and fees to wind up a company to recover any money you're owed.

• Overview

  You can apply to the court to close or ‘wind up’ a company if it cannot…

• Apply

  You must send the right form to the court before they can deal with your…

• The court hearing

  If the court accepts your petition, they’ll arrange a date for a hearing.…

How to apply for bankruptcy. What to do if you’ve been made bankrupt: if you’re at risk of violence, how long it lasts, bankruptcy restrictions, what happens to your home and possessions when you're bankrupt.

How to take legal action if someone owes you money (small claims court), how much it costs, what happens next. Includes information from withdrawn guidance EX303, EX304, EX306, EX321, EX325 and EX350.

If your employer is 'insolvent' this means it cannot pay its debts - your rights if this happens, claiming money owed to you, where to get advice

What to do if you receive a county court judgment (CCJ) - how to get it set aside or change what you pay, what happens if you do not pay, how to search the register. Includes information from the withdrawn...

Find out what support is available to help with the cost of living: income and disability benefits, bills and allowances, childcare, housing and travel.

Use a mediation service, send a statutory demand, go to court or make someone bankrupt if a person or business owes you money

Help to understand debts and deductions taken from Universal Credit payments and who to contact about your debts and deductions if you're struggling financially.

• Updated: 10 June 2026