This depends on your situation. You should always pay your unsecured debts if you can afford to. However, paying for your house, utility bills and council tax is normally more important than paying for unsecured debts. This is because the consequence of not paying your priorities is more severe than not paying your unsecured debts. If you are struggling to pay any of your debts please call us. One of our advisors will be able to help you deal with your problems.

Council tax is a priority because it is a criminal offence not to pay it. If you don’t pay your council tax you will be asked to attend a court hearing at the magistrates’ court. The courts could send bailiffs to your house or have money taken out of your wages (an attachment of earnings). If you refuse to pay council tax you could be sent to prison.

If you are struggling to pay your rent or mortgage you may be able to claim benefits to help your situation. Please call our helpline and our specialist advisors will be assess your situation and see what you are entitled to.