Step 4 Dealing with your non-priority debts

Use this section to work out how to deal with your non-priority debts. These are debts where the creditor hasn’t got extra powers to make you pay (for example, they cannot take your home). They are often called non-priority debts because of this. Non-priority debts can usually be treated differently to priority debts. Common non-priority debts include:

  • personal loans with finance companies;
  • some bank and building society loans;
  • overdrafts and credit cards;
  • charge cards;
  • catalogue debts;
  • personal debts to friends and family;
  • doorstep-collected loans;
  • payday loans;
  • household water rates;
  • non-essential business suppliers;
  • some other business-related debts; and
  • credit sale agreements.