We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).

What creditors can do

What can my creditors do? How they take action to reclaim debt

If you fall behind with payments to your debts, your creditors are likely to take some action to get you to pay them back. They may contact you by letter or phone. And in some cases they may visit you at home.

Your creditors might start court action if:

  • You owe them a lot of money
  • You have not made an arrangement to pay them back

All of this can make you feel under pressure to pay money you cannot afford.

Asking for help can be hard.

Are debts causing you stress? Do you feel you never have the time?

Whatever the barrier, let’s deal with it together.

Find out more here.

mum at the table with bills

Worried about money?

We're here to help. Use our free online debt advice tool.

Get help now

What are your rights with creditors?

You can get rid of a lot of worry and uncertainty by:

  • Knowing what your creditors can and cannot do
  • Understanding the process they use to collect debt
  • Understanding your rights

This section has everything you need to know about what is likely to happen when you cannot afford to pay your debts.

If you are worried about money, you can get free debt advice online.

If you have a query that you need an answer to, please contact us and one of our debt advisors will be able to help you.

woman reading bills in garden

Worried about creditors?

Take two minutes to find the right support for your situation.

Get help now