There are several charities that can help people dealing with bereavement. Cruse bereavement can provide free help and support to anyone suffering from bereavement. You can also speak to the Samaritans.

There are several places you can go for free advice on legal matters.

Law centres are found in many larger towns and offer free advice from qualified solicitors or barristers. The Law Centres Federation can help you find your nearest centre.

The Direct Gov website can also assist you in finding free legal advice in your area.

Joint and several liability means that both people named on the credit agreement for a debt have equal responsibly to repay it. This means that if one person is unable to pay the other person will have to.

Equity is the difference between the value of your house and the value of your mortgage and any secured loans. To work out the amount of equity in your property you will need to know how much your house is worth and how much you have to pay back on any debts secured against it. For example, if your house is worth £100,000, and you have a mortgage of £50,000 and a secured loan of £10,000 you will have £40,000 in equity.