What Happens if I Don't Pay My Debts?

Different creditors have different rights and ways of recovering money owed, so you will need to know the consequence of non-payment to your specific creditors. Below is a list of priority creditors. Debts to these organisations should NEVER be ignored as it could lead to serious consequences.

Credit Type	Consequence of Non-Payment
Court Fines	Bailiffs Imprisonment
Council Tax	Bailiffs Imprisonment
VAT	Bailiffs Bankruptcy
Income Tax	Bailiffs Bankruptcy
National Insurance	Bailiffs Bankruptcy
Mortgage	Repossession
Secured Loan	Repossession
TV License	Fine Bailiffs Imprisonment
Maintenance Arrears	Bailiffs Imprisonment
Gas	Disconnection
Electricity	Disconnection
Water Rates	Disconnection
Hire Purchase	Repossession of goods

Below is a list of non-priority creditors. These debts still should not be ignored but usually non-payment will only result in minor consequences. However, some non-priority creditors still have the power to enforce bankruptcy and issue county court judgments.

Credit Type

Credit Cards

Store Cards

Overdraft

Personal loans (unsecured)

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