Debts and arrears

Mortgage arrears or payment difficulties

Difficulties with paying your mortgage - what to do, who to contact and who can help

What to do if you can't pay your rates and what happens if you don't pay

Falling behind with your rent - what to do, your rights as a tenant and who can help

Falling behind with your rent - what to do, your rights as a NI Housing Exectutive tenant and who can help

What happens if you don't pay your tax bill, how HM Revenue & Customs (HMRC) can help and what to expect if they take court proceedings

How different debts are paid off when someone dies, the possible effect on a jointly owned home and where to get advice

Why you should prioritise overdue utility bills, what to do about arrears and where to go for help

The Enforcement of Judgments Office replaces old methods of debt enforcement in Northern Ireland.

Using overdrafts and loans to borrow money from your bank and what to do if you can't pay it back

How loan sharks work, why they're best avoided and what to do if you've already borrowed from one

Take a confidential debt test with the Money Advice Service