Non-priority debt

Non-priority debtsPriority and Non-Priority Debts ExplainedLearn which UK debts are priority debts, such as rent, council tax and energy bills, which are non-priority, and why the difference matters.Read more → are usually unsecured debtsUnsecured debtAn unsecured debt is borrowing that is not tied to an asset, so the lender cannot automatically take your home or car if you do not repay.Read more →. CreditorsHow to Deal with Creditors: Communication and NegotiationPractical advice on communicating with creditors, negotiating affordable repayments, and understanding your rights when dealing with the companies you owe.Read more → can still chase you, add a default to your credit file and in some cases take you to court, but they cannot take your home or cut off essential services without a court order. Typical examples are credit cards, store cards, personal loans, overdrafts, payday loans and catalogue accounts.

If you are struggling, a debt adviser will normally help you cover living costs and priority debts first, then offer a fair share of what is left to non-priority creditors. Ignoring them completely is not wise, because they may take court action.