Debts and bills come in two sorts – ‘priority’ and ‘non-priority’.
- Priority: the people or company you owe money to – your creditors – can ask a court to take your home or send you to prison if you don’t pay.
- Non-priority: the people or company you owe money – your creditors – to cannot ask the court to take your home or send you to prison.
Your next step depends on which sort of debts you have – priority debts or non-priority debts.
Choose the debt or payment you want to know about from the 12 options below.
Option 1 — Benefit overpayment or social fund loan arrears
Option 2 — Council tax arrears
Option 3 — Court fine arrears
Option 4 — Credit card, store card or catalogue arrears
Option 5 — Gas and electricity
Option 6 — Loan to a company or bank or building society but not on a home
Option 7 — Loan from family or friends
Option 8 — Mobile phone, landline or broadband
Option 9 — Mortgage for where I live, or another property
Option 10 — Overdraft with a bank
Option 11 — Rent or service charges for where I live
Option 12 — Tax