When you are struggling to make payments on all your bills it is difficult to know what to pay first.

Some bills are classed as priorities. This is because the consequences of not paying these bills are greater than the consequences of not paying others. For example, if you do not pay your rent or your mortgage you could lose your home.
These bills are your priorities and you must always pay these before your other creditors.
 |
 |
 |
| Type of payment |
|
Consequence of not paying |
| Mortgage |
|
Losing your home |
| Rent |
|
Losing your home |
| Secured loans |
|
Losing your home |
| Council tax |
|
A visit from the bailiffs, an attachment of earnings order or imprisonment |
| Child maintenance |
|
An attachment of earnings order or
imprisonment |
| TV licence |
|
A fine or imprisonment |
| Magistrates’ Court fines |
|
A visit from the bailiffs or imprisonment |
| Tax, VAT or National Insurance |
|
A visit from the bailiffs, an attachment of earnings order or a charging order or bankruptcy |
| County Court Judgments |
|
A visit from the bailiffs, an attachment of earnings order or a charging order |
| Gas, electricity or other fuel |
|
Disconnection or a pre-payment meter |
| Hire Purchase |
|
Losing your goods |
| Telephone |
|
Disconnection |
| |
|
If you are worried because you have missed payments for your priorities please call our Helpline on 0800 138 1111. Our specialist advisors will be able to help you catch up with payments and deal with any arrears you have.
For more free debt advice visit CCCS Debt Remedy, our online debt counselling service.
|
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