I’m being chased by a creditor, what can I do?

You should deal with the most important debts first – these are called ‘priority debts’.

Priority debts mean you could lose your home, have your energy supply cut off, lose essential goods or go to prison if you don’t pay. They include things like:

  • rent and mortgage
  • gas and electricity
  • council tax
  • court fines

Check if you have any priority debts before dealing with your credit debts.

If you’re struggling to pay debts like credit cards, store cards or payday loans you can ask to make lower monthly repayments. Paying less than it says you have to in your contract might make it harder for you to get credit in the future.

View specific advice on the National Citizens Advice website.
(link opens in new window)

Categories:

Share this Help/Advice

If you are unable to find the help/advice that you require in the above article(s) then the next quickest way to get help is by filling in the following Advice form. By taking the time to enter all the information it will help us to help you quicker than if you just call us.

Please check the areas where we can offer support and read the Client Agreement between you and Citizens Advice Rural Cambs before contacting us for help/advice, thank you.

Where we offer help
Read Client Agreement

    Our offices are currently closed until 9:30 2nd January 2025.

    Should you have an urgent enquiry the options available for you to get advice can be found at:

    https://www.citizensadvice.org.uk/about-us/contact-us/contact-us/contact-us/

    or call Citizens Advice Freephone Adviceline on 0800 144 8848.

    If you have a simple query you can contact us via Chat.

    Note this is only available when our staff are not all busy responding to requests for help submitted via forms or over the telephone.

    If it is available you will see a chat link in the bottom corner of the website.

    If you have a simple query but are unable to contact us via Chat (if it is available you will see a chat link in the bottom corner of the website) then please consider using the national Citizens Advice Chat facility.

    This is open from Monday to Friday from 9am to 5pm: click here to Chat with them.

    If you need urgent help please call our Adviceline. Please note that our advisers are very busy, so if you are able to submit an advice form it would help us to offer the best possible service to all our customers.

    Our Adviceline service is open from 9:30 in the morning to 3:30 in the afternoon, Monday to Friday, with late opening until 7:00 in the evening on Tuesday and Wednesday.

    Call 0808 278 7807 (free)