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Priority debts

Some bills are classed as priorities. This is because the consequences of not paying them are more serious than the consequences of not paying others. Find out what you should be paying first using our table below.

Priority debt infographic

Why pay priority debts first?

It’s important to understand which bills to pay first, especially if you’re in debt. While unsecured credit lenders, like payday loans lenders, may shout loudest, utility bills debt, secured debts and tax bills should be paid first. These ensure you continue to have a home and heating.

Not paying priority debts or priority bills can lead to serious consequences for you and your family, as shown in the infographic. If you’re having problems paying priority bills or debts we can help with expert debt advice.


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“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016