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1 Dealing with Debt: your legal rights
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Most of us owe money to people or organisations most of the time: bills are a fact of life. But, occasionally, we may find ourselves swamped by debts, and can`t see a way of paying them all. But it`s never a good idea to ignore bills. Instead you need to get help to deal with them. The `Further help`section gives details of sources of help.
If you are behind with payments to someone you owe money to (legally called a `creditor`), they have legal powers to get their money. Exactly what they can do depends on the type of debt, and some are more serious than others. In the worst case, you could lose your home or even go to prison. So if you have several debts, you need to work out which ones you must deal with first and try to make arrangements to repay them.
Here, we outline common types of debt and what the law says that you, and the creditor, must each do when the creditor wants to get the money you owe.
The leaflets in this series give you an outline of your legal rights, but they are not a complete guide to the law. If you have a problem, you will need to get more information or personal advice to work out the best way to solve it. See `Further help`for sources of advice.
This leaflet was written in association with Birmingham Settlement
Last updated on 23 July 2017
CLS Legal Info Leaflets