Once you know what to do about any arrears
on your rent or mortgage, do the same for your other priority debts.
For each debt, click on the link below to find
out if you are liable, whether you can reduce the bills, and what to
do about it.
For advice on dealing with other priority debts,
such as court fines or maintenance payments, contact a specialist advice
agency, for example, Citizens Advice Bureau.
Contact each debtor with an offer of payment.
Don't forget to update your personal
budget and include a copy.
Use the repayments
calculator and the creditor
letters activity to work out how much to offer each of your creditors.