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.

Rates are priority because they are debt to the government. This means that it is a criminal offence not to pay them. If you don’t pay your rates you will be asked to attend a court hearing at the magistrates’ court. The courts have a number of different ways to recover the debt from you. If you refuse to pay you could be made bankrupt.