when debts take over

   

If you’re in debt, it’s time to face up to it. Denial is the worst thing you can do. Priority debts are the most important debts to repay because your creditors can take the strongest legal action against you: priority debts include mortgage, rent arrears, income tax/VAT, fines, council tax, maintenance, utilities and car hire purchases. Deal with these first.
When debts start to take over (one or more of these may apply)

- You are in arrears with at least two lenders
- Some of your accounts are handled by debt collectors
- You have been threatened with court action
- You make promises to pay that you can’t keep
- You may even have judgments already
- Your family relationships are affected
- You avoid opening any bill that arrives in the post
- You are very worried
- You are losing sleep, weight and friends
- You are thinking of emigrating/doing a runner

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You can’t be imprisoned for not paying non-priority debts which include credit/store card arrears, catalogue arrears, bank overdrafts and loans, hire purchase on televisions, and so on, money borrowed from family or friends. But if you continue to refuse to pay your creditors they can get a court order allowing them to send the bailiffs in.

Therefore it’s better to get some advice and sort out any debts which are currently in arrears. Remember, by sorting out your debts you will stop the harrasment of creditors calling or visiting you at home or place of work. You can arrange the advice for free by visiting your local Citizen advice. A website we believe will be of interest to you is debtadvicebureau.org.uk you will find a free debt advisory information service providing you with advice and solutions to help you deal with your debt and credit problems.