Skip to main content
N I Direct government services

Main navigation

  • Home
  • News
  • Contacts
  • Help
  • Twitter
  • Facebook
  • YouTube
  • RSS

Translation help

Translate this page

Select a language

  • Afrikaans — Afrikaans
  • Albanian — Shqip
  • Amharic — አማርኛ
  • Arabic — العربية
  • Armenian — Հայերեն
  • Assamese — অসমীয়া
  • Aymara — Aymar aru
  • Azerbaijani — Azərbaycan dili
  • Bambara — Bamanankan
  • Basque — Euskara
  • Belarusian — Беларуская
  • Bengali — বাংলা
  • Bhojpuri — भोजपुरी
  • Bosnian — Bosanski
  • Bulgarian — Български
  • Cantonese — 廣州話
  • Catalan — Català
  • Cebuano — Sinugbuanong Binisayâ
  • Chichewa — Chichewa
  • Chinese (Simplified) — 简体中文
  • Chinese (Traditional) — 繁體中文
  • Corsican — Corsu
  • Croatian — Hrvatski
  • Czech — Čeština
  • Danish — Dansk
  • Dhivehi — ދިވެހި
  • Dogri — डोगरी
  • Dutch — Nederlands
  • English — English
  • Esperanto — Esperanto
  • Estonian — Eesti
  • Ewe — Eʋegbe
  • Filipino — Filipino
  • Finnish — Suomi
  • French — Français
  • Frisian — Frysk
  • Galician — Galego
  • Georgian — ქართული
  • German — Deutsch
  • Greek — Ελληνικά
  • Guarani — Avañe’ẽ
  • Gujarati — ગુજરાતી
  • Haitian Creole — Kreyòl ayisyen
  • Hausa — Hausa
  • Hawaiian — ʻŌlelo Hawaiʻi
  • Hebrew — עברית
  • Hindi — हिन्दी
  • Hmong — Hmoob
  • Hungarian — Magyar
  • Icelandic — Íslenska
  • Igbo — Asụsụ Igbo
  • Ilocano — Ilokano
  • Indonesian — Bahasa Indonesia
  • Irish — Gaeilge
  • Italian — Italiano
  • Japanese — 日本語
  • Javanese — Basa Jawa
  • Kannada — ಕನ್ನಡ
  • Kazakh — Қазақ тілі
  • Khmer — ភាសាខ្មែរ
  • Kinyarwanda — Ikinyarwanda
  • Konkani — कोंकणी
  • Korean — 한국어
  • Krio — Krio
  • Kurdish (Kurmanji) — Kurdî
  • Kurdish (Sorani) — کوردی
  • Kyrgyz — Кыргызча
  • Lao — ລາວ
  • Latin — Latina
  • Latvian — Latviešu
  • Lingala — Lingála
  • Lithuanian — Lietuvių
  • Luganda — Luganda
  • Luxembourgish — Lëtzebuergesch
  • Macedonian — Македонски
  • Maithili — मैथिली
  • Malagasy — Malagasy
  • Malay — Bahasa Melayu
  • Malayalam — മലയാളം
  • Maltese — Malti
  • Maori — Māori
  • Marathi — मराठी
  • Meiteilon (Manipuri) — ꯃꯤꯇꯩ ꯂꯣꯟ
  • Mizo — Mizo ṭawng
  • Mongolian — Монгол хэл
  • Myanmar (Burmese) — မြန်မာစာ
  • Nepali — नेपाली
  • Norwegian — Norsk
  • Odia (Oriya) — ଓଡ଼ିଆ
  • Oromo — Afaan Oromoo
  • Pashto — پښتو
  • Persian — فارسی
  • Polish — Polski
  • Portuguese — Português
  • Punjabi — ਪੰਜਾਬੀ
  • Quechua — Runa Simi
  • Romanian — Română
  • Russian — Русский
  • Samoan — Gagana Samoa
  • Sanskrit — संस्कृतम्
  • Scots Gaelic — Gàidhlig
  • Sepedi — Sepedi
  • Serbian — Српски
  • Sesotho — Sesotho
  • Shona — Shona
  • Sindhi — سنڌي
  • Sinhala — සිංහල
  • Slovak — Slovenčina
  • Slovenian — Slovenščina
  • Somali — Soomaali
  • Spanish — Español
  • Sundanese — Basa Sunda
  • Swahili — Kiswahili
  • Swedish — Svenska
  • Tajik — Тоҷикӣ
  • Tamil — தமிழ்
  • Tatar — Татар теле
  • Telugu — తెలుగు
  • Thai — ไทย
  • Tigrinya — ትግርኛ
  • Tsonga — Xitsonga
  • Turkish — Türkçe
  • Turkmen — Türkmençe
  • Twi — Twi
  • Ukrainian — Українська
  • Urdu — اردو
  • Uyghur — ئۇيغۇرچە
  • Uzbek — Oʻzbekcha
  • Vietnamese — Tiếng Việt
  • Welsh — Cymraeg
  • Xhosa — IsiXhosa
  • Yiddish — ייִדיש
  • Yoruba — Yorùbá
  • Zulu — IsiZulu
  • Breadcrumb

    1. Home
    2. Benefits and money
    3. Managing debt
    4. Debt and you

    Repaying your debts

    Once you've recognised that you're in debt, you can begin to plan how you'll repay it. The easiest way is to organise your debts and then prioritise which are the most important.

    Setting out your debts

    The first stage to getting out of debt is to work out exactly how much you owe and who you owe it to. You can do this by taking a thorough look at your monthly bank statements and making a list of all your outgoings over the course of a typical month.

    • Money Helper - Everyday money
    • Managing debt

    Prioritising your debts

    The debts that you need to tackle first are the ones that have the most serious consequences if you miss a payment. If you don't address these debts as a priority, you could lose your belongings.

    These types of debt include:

    • rent payments - if you owe money to your landlord, you can be evicted from your home
    • car payments - if you're over 18 and you bought a car using a loan or 'hire purchase' agreement, the vehicle can be taken away if you do not meet your repayment schedule
       
    • Housing Executive tenant rent arrears
    • Rent arrears

    Other debts are classed as non-priority. This means that although you cannot have things taken away from you, they can still be expensive due to interest payments and can give you a bad credit rating, which leads to problems applying for loans in the future. These include:

    • credit cards
    • bank charges and overdrafts
    • money you owe to friends and family

    Starting repayments

    Hopefully, your new budget will mean you can allocate some money every month to meet your debt demands. However, if you're still finding it difficult, talk to the companies you owe money to.

    It's important to do this as some lenders are willing to accept smaller monthly payments once they are aware of your particular circumstances.

    Negotiating with creditors can be daunting and can take up a lot of time, so you may find that contacting a specialist adviser can make things a lot easier for you. You should make sure that any advice you get is free, independent and covers the whole range of possible solutions to your problems.

    As well as helping you overcome your debt problems, these organisations can advise you of your legal rights.

    • Step Change Debt Charity
    • Advice NI
    Share this page Share on Facebook (external link opens in a new window / tab) Share on X (external link opens in a new window / tab) Share by email (external link opens in a new window / tab)

    Debt and you

    • Credit cards and debt
    • Repaying your debts

    Help improve this page - send your feedback

    What do you want to do?
    Report a problem
    Which problem did you find on this page? (Tick all that apply)

    Messages

    You will not receive a reply. We will consider your feedback to help improve the site.

    Don't include any personal or financial information, for example National Insurance, credit card numbers, or phone numbers.

    What is your question about?

    What to do next

    Comments or queries about angling can be emailed to anglingcorrespondence@daera-ni.gov.uk 

    If you have a comment or query about benefits, you will need to contact the government department or agency which handles that benefit.  Contacts for common benefits are listed below.

    Carer's Allowance

    Call 0800 587 0912
    Email 
    dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

    Discretionary support / Short-term benefit advance

    Call 0800 587 2750 
    Email 
    customerservice.unit@communities-ni.gov.uk

    Disability Living Allowance

    Call 0800 587 0912 
    Email dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

    Employment and Support Allowance

    Call 0800 587 1377

    Jobseeker’s Allowance

    Contact your local Jobs & Benefits office

    Personal Independence Payment

    Call 0800 587 0932

    If your query is about another benefit, select ‘Other’ from the drop-down menu above.

    Comments or queries about the Blue Badge scheme can be emailed to bluebadges@infrastructure-ni.gov.uk or you can also call 0300 200 7818.

    For queries or advice about careers, contact the Careers Service.

    For queries or advice about Child Maintenance, contact the Child Maintenance Service.

    For queries or advice about claiming compensation due to a road problem, contact DFI Roads claim unit.

    If you can’t find the information you’re looking for in the Coronavirus (COVID-19) section, then for queries about:

    • Restrictions or regulations — contact the Department of Health
    • Travel advice (including self-isolation) — contact the Department of Health
    • Coronavirus (COVID-19) vaccinations — contact the Department of Health or Public Health Agency

    If your query is about another topic, select ‘Other’ from the drop-down menu above.

    For queries about your identity check, email nida@nidirect.gov.uk and for queries about your certificate, email covidcertni@hscni.net.

    For queries or advice about criminal record checks, email ani@accessni.gov.uk

    Application and payment queries can be emailed to ema_ni@slc.co.uk

    For queries or advice about employment rights, contact the Labour Relations Agency.

    For queries or advice about birth, death, marriage and civil partnership certificates and research, contact the General Register Office Northern Ireland (GRONI) by email gro_nisra@finance-ni.gov.uk

    For queries about your GRONI account, email gro_nisra@finance-ni.gov.uk.

    For queries about the High Street Spend Local Scheme,  email HSSS.mail@economy-ni.gov.uk.

    For queries about:

    • Car tax, vehicle registration and SORN
      contact the Driver and Vehicle Licensing Agency (DVLA), Swansea
       
    • Driver licensing and tests, MOT and vehicle testing
      contact the Driver & Vehicle Agency (DVA), Northern Ireland

    If your query is about another topic, select ‘Other’ from the drop-down menu above.

    For queries about your identity check, email nida@nidirect.gov.uk.

     

    For queries or advice about passports, contact HM Passport Office.

    For queries or advice about Penalty Charge Notices (PCNs), including parking tickets and bus lane PCNs, email dcu@infrastructure-ni.gov.uk

    For queries or advice about pensions, contact the Northern Ireland Pension Centre.

    If you wish to report a problem with a road or street you can do so online in this section.

    If you wish to check on a problem or fault you have already reported, contact DfI Roads.

    For queries or advice about historical, social or cultural records relating to Northern Ireland, use the Public Record Office of Northern Ireland (PRONI) enquiry service.

    For queries or advice about rates, email LPSCustomerTeam@lpsni.gov.uk

    For queries or advice about  60+ and Senior Citizen SmartPasses (which can be used to get concessionary travel on public transport), contact Smartpass - Translink.

    If you have a question about a government service or policy, you should contact the relevant government organisation directly.  We don't have access to information about you.

    Related sites

    • gov.uk
    • nibusinessinfo.co.uk

    Links to supporting information

    • Accessibility statement
    • Crown copyright
    • Terms and conditions
    • Privacy
    • Cookies
    • Twitter
    • Facebook
    • YouTube
    • RSS