• What are my options for dealing with debt?
• How can I save my details as part of a DMP
• Where can I find answers to common problems?

Court / Legal Action by Creditors

There are occasions where creditors you owe money to resort and take legal action to recover debts. If any of your creditors take you to court it is really important that you do not ignore the situation and that you act / respond within any relevant time limits.

If you act / respond quickly you may avoid the situation getting serious / worse. If you don’t take action quickly and within any relevant time limits you could end up with bigger debts, losing your possessions, car or even your home / liberty.

Examples of court and legal action

• Mortgage / secured loan
  • arrears
  • possession proceedings
  • eviction and loss of home

• Rent
  • arrears
  • possession proceedings
  • eviction and loss of home

• Council Tax
  • arrears
  • liability order
  • bailiffs - loss of goods
  • attachment to earnings
  • charging order
  • imprisonment
  • bankruptcy

• Magistrates Court fines
  • bailiffs
  • imprisonment

• Electricity and Gas
  • arrears
  • payment meter
  • disconnection

• TV Licence
  • Magistrates court fine

• Tax / VAT
  • bailiffs
  • bankruptcy

• Hire Purchase and Conditional Sale
  • loss of goods

• Child Support (CSA)
  • arrears
  • liability order bailiffs
  • loss of goods
  • attachment to earnings
  • charging order
  • imprisonment

• Unsecured Loans and overdrafts
  • county court judgments
  • bailiffs
  • loss of goods
  • charging orders
  • bankruptcy

• Credit Cards
  • county court judgments
  • bailiffs
  • loss of goods
  • charging orders
  • statutory demands
  • bankruptcy

• Other unsecured debts
  • county court judgments
  • charging orders
  • statutory demands
  • bankruptcy

Useful Contacts

• Citizens Advice Bureau
• StepChange (CCCS) - 0800 138 1111
• National Debtline - 0808 808 4000
• Shelter - 0808 800 4444
• Business Debtline - 0800 197 6026

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Citizens Advice North East Derbyshire is a company limited in England and Wales with company number 5933725.

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© North East Derbyshire CAB 2014 (Licensed for use by Citizens Advice North East Derbyshire) - Disclaimer & Legal information

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