Not all debts are the same — and not all debt problems have the same consequences. This hub covers what happens when you can’t pay specific types of debt, from council tax and credit cards to overdrafts and mortgages, and what steps to take in each situation.
Priority vs Non-Priority Debts
The most important distinction when managing debt problems is between priority and non-priority debts. Priority debts carry the most serious enforcement powers — including losing your home, being cut off from utilities, or having wages arrested.
| Priority debts | Non-priority debts |
|---|---|
| Mortgage or rent arrears | Credit cards |
| Council tax | Personal loans |
| Gas and electricity | Overdrafts |
| Magistrates’ court fines | Buy now pay later |
| TV licence | Catalogues / store cards |
| Child maintenance | Bank charges |
Always tackle priority debts first, even if non-priority creditors are calling more loudly.
What to Do When You Can’t Pay
- Don’t ignore it — unopened letters and missed calls make things worse. Every debt problem has options.
- Contact your creditor early — most lenders have hardship policies and must treat you fairly under FCA rules.
- Get free debt advice — StepChange (0800 138 1111), National Debtline (0808 808 4000), or Citizens Advice can help you prioritise and negotiate.
- Know your rights — creditors and bailiffs have strict rules about what they can and cannot do. See the rights and protection hub.
Articles in This Cluster
| Article | What it covers |
|---|---|
| What Happens If You Can’t Pay Council Tax | Step-by-step enforcement process explained |
| What Happens If You Miss a Credit Card Payment | Fees, credit file impact, default notices |
| Overdraft Charges Guide | How overdraft interest works, arranged vs unarranged |
| What Happens If You Can’t Pay Your Overdraft | Steps the bank can take and your options |
| Mortgage with Bad Credit | Getting a mortgage after defaults, IVAs, or CCJs |
| Joint Debt After Separation | Who is liable, how to split joint debts on breakup |