If you don’t deal with your rent arrears
: Your landlord or letting agency could take steps to evict you. But you can take steps to avoid this.
If you don’t deal with mortgage arrears
: Your lender could look into repossessing your home. This will happen as a last resort.
You should work out how much you can afford to pay. We can help you put together a budget to do this.
You then use this budget to offer to pay what you owe at a rate you can afford. Share your budget with the lender or landlord so they can see you are paying as much as you can. You must keep to the new payment plan they have agreed to.