Just because a creditor is contacting you more frequently it doesn’t mean they're more important than the others. You should first focus on making sure your priority debts are paid, and then work out what you can pay towards any non-priority debts.
What are my priority debts?
You should always ensure you prioritise the bills that keep a roof over your head, keep you warm, and ensure there’s food in your cupboards. Everything else is secondary.
Credit cards, payday loans, unsecured loans, overdrafts and store cards are all non-priority debts. Priority debts include your mortgage or rent, utility bills, council tax, water bill and TV licence.
There are a couple of reasons why these debts should be first on your list to deal with;
- the consequences of not making the payments could be serious, or
- it’s against the law to not make the payment, or
- the debt is for a product or service which meets basic living requirements.
The graphic below shows what your priority debts should be and what could happen if you fall behind with these payments.
The advice in this graphic applies to debts owed in England and Wales only. For the situation in Scotland and Northern Ireland please visit our Court Action pages.