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Managing your money

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4. What are non-priority debts

If you don't pay non-priority debts, your creditor could eventually take you to court or instruct bailiffs to collect money from you. They cannot however imprison you, make you homeless or disconnect essential services.

Your non-priority debts include:

  • overdrafts
  • personal loans
  • banks or building society loans
  • money borrowed from friends or family
  • credit card, store card debts or payday loans
  • catalogue, home credit or in-store credit debts

If you have priority debts, these must be paid first. By budgeting for your priority debts, you can see what you can afford to pay against the non priority debts and make a payment arrangement with your creditors.