If you’re in debt and about to go to prison
If you’re worried that you might be due to go to prison soon, we recommend planning ahead to deal with your debts.
It’s important to keep any creditors informed. If you don’t, you may find that your debt situation gets worse while you’re in prison, and is harder to deal with once you’re released. Creditors can still take action to collect money from you while you’re in prison. For example, they may be able to start court action or make you bankrupt.
If you have arrears on priority bills, creditors can still take action and this may affect other people you live with when you’re not in prison. For example, if you have rent arrears, your tenancy could be ended and you could be evicted. If you have gas or electric arrears, the provider could apply for a warrant to disconnect your supply or fit a pre-payment meter.
If you having an upcoming court hearing and you’re at risk of prison, we recommend you take the following steps before the hearing:
- Contact your creditors to let them know you may be going to prison, and approximately how long this will be (if you know)
- Ask your creditors if you can appoint a trusted friend or family member to deal with your account while you’re inside – this will be far easier than contacting them from prison yourself. Some companies may allow you to do this over the phone, but some may ask for this in writing
If you don’t manage to contact your creditors before you go to prison try to do it as soon as you can afterwards. Access to a phone will be limited, so it'll be easier to ask someone else to do this on your behalf.
While you’re in prison, your income is unlikely to be enough to pay your creditors. Your best option may be to ask for a payment break until you’re released. You can take steps during your sentence to deal with your debts, for example by going bankrupt, but this can be harder to arrange.
As we offer help by online or over the phone, it may be difficult to contact us from prison. We can discuss your case with a friend or family member if you give us permission. Alternatively, the prison you’re in may have an advice service run by a local advice agency which can offer you help with your debts.
Worried about debt?