It’s a question many of us ask ourselves while on holiday. How much should I tip? It can be tricky, and, if you’re not careful, you could end up either embarrassing yourself or causing offence to another party.

You may be able to claim Working Tax Credit if you are disabled and work at least 16 hours a week. Working Tax Credit is paid by the HM Revenue and Customs, and depends on your income.

If you are on a low income you may be able to get benefit to help with your living costs, your rent and your Council Tax. You may also be entitled to help with other costs like prescriptions.

Contact your lender(s) as soon as possible, preferably before you default on your minimum repayment. Explain your situation and stress your willingness to pay whatever you can. You should be able to negotiate an achievable repayment plan or payment holiday. However, do not agree to any specific deal without consulting independent help.

Mortgages are hugely expensive at the best of times. So, the last thing you need is to be stung with unforeseen costs. But the trouble is, some lenders are pretty wily when it comes to slapping bills on unsuspecting borrowers.

The Official Receiver or the trustee (if an insolvency practitioner has been appointed in place of the Official Receiver) may have to sell your home to go towards paying your bankruptcy debts. This applies whether the home is freehold or leasehold and whether it is solely or jointly owned.

This section covers the questions you are most likely to want answered on how the court may annul (cancel) your bankruptcy order: What is an annulment of a bankruptcy order? This is a procedure which cancels your bankruptcy order. An order of annulment can only be made by the court.

Debt help – This section covers information on discharge from bankruptcy and the questions you are most likely to want answered about your discharge from bankruptcy.

The Official Receiver is a civil servant in The Insolvency Service and an officer of the court. He (or she) will be notified by the court of your bankruptcy. He will then be responsible through his staff for administering the initial stage, at least, of the insolvency case. This stage includes collecting and protecting any assets and investigating the causes of your bankruptcy.

Bankruptcy is just one of several options to be considered when an individual cannot repay their debts. If you are ever faced with the prospect of bankruptcy you should always look at alternatives as soon as possible such as an Individual Voluntary Arrangement or a Debt Management Plan.