Everyone has to manage their money, but if you get into debt or fall behind with any payments, here are some useful steps you can take:
- Never ignore the problem - it will not go away.
- Don’t take out further credit. If you owe money, contact the lender and tell them about your financial situation.
- Gather all the documents you have received about your debt and make a list of everyone you owe money to. Then put your debts in order of priority. A priority debt is one where serious action can be taken against you, for example rent or mortgage arrears, fines, council tax or electric, gas and phone bills.
- If you have problems paying your rent, you must contact your Area Housing Officer as soon as possible. They can offer advice and help set up a repayment plan. If you do not keep to your repayment agreement, we may have to take further action, including final warnings before possible legal action.
- If you have council tax arrears, you must contact our revenues department and arrange a repayment plan.
- If you fall behind with fuel payments, contact your supplier to let them know. They will help you set up a repayment plan to reduce your arrears,