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What happens if my creditors take me to court?
The people you owe money to are called ‘creditors’. If you owe money and you don’t pay it back your creditor might take you to court.
You should reply to the claim as early as possible – usually within 2 weeks. If you disagree you owe the debt, you can tell your creditor this when you reply.
You should also check your options for getting out of debt – you might be able to agree a plan with your creditor instead of going to court.
If you’re taken to court, a court order will be made. This will say whether you need to pay the debt. If you need to pay the debt, the court order will also say how much you need to pay and when you need to pay by.
View specific advice on the National Citizens Advice website.
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