Money & Debt
Practical advice on bailiffs, debt collectors, and missed payments.
What happens if I miss a Council Tax payment?
If you miss a payment, the council sends a reminder. If you don't pay within 7 days, you lose the right to pay by instalments and the full year becomes due.
What happens if I can't pay my bills?
Not all debts are equal. Some 'Priority Debts' can make you homeless or lead to prison, while others just affect your credit rating. If you are in calm, you must pay the Priority Debts first.
What happens to debt when you die?
A guide to 'Insolvent Estates', inherited debt myths, and the Order of Payment.
What happens if I can't pay my Car Finance (PCP)?
How to use 'Voluntary Termination' to return your car, clear the debt, and avoid damage charges.
What happens if I am a Guarantor (and they stop paying)?
Strategies to challenge a guarantee, understand 'Indemnity' clauses, and limit your liability.
What happens if I get a CCJ (County Court Judgment)?
Understanding the 30-day grace period, how to get a CCJ 'Set Aside', and stopping bailiffs at the door.
What happens if I don't pay Council Tax?
Why the Council has more power than banks, the 'Liability Order', and the real risk of prison for 'Willful Refusal'.
What happens if my bank account is frozen?
Dealing with 'Account Review', POCA investigations, and how to survive while locked out of your cash.
What happens if I never pay off my Student Loan?
Why your debt will eventually vanish. Understanding 'Write-Off' dates, Plan 1/2/5 differences, and why ignoring it is often the best strategy.