Debt help in Northern Ireland

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Where to start

The worst thing you can do is to ignore the problem - it won't just go away. If you're in debt, work out a realistic personal budget so you know where your money's going and how much you can afford to pay your creditors. You can get free and independent debt advice online and face-to-face to help.

Unpaid rates

If you don't pay the overdue amount or arrange to pay it, Land & Property Services asks the Enforcement of Judgments Office to issue a Notice of Intention. You must pay within ten days. If you don't, the debt is lodged for enforcement. This could mean additional costs of £150 to £250 depending on the amount owed, and a Statutory Demand for debt over £750, which could lead to bankruptcy proceedings. See domestic rates.

Court orders for money

Creditors must apply to have their court order enforced through the Enforcement of Judgments Office, and the fee is added to the debt. If the court order relates to money, contact the creditor and offer to repay in full or by instalments you can afford.

Debts when someone dies

Debts are paid from the estate of the person who died. Creditors can apply for an Insolvency Administration Order within five years of the death. You are not liable for the previous rent arrears if you take over a tenancy, but joint tenants must pay off any rent arrears.

Saving money

Check the full cost before you pay online, including booking and delivery fees, and choose a phone plan that matches how you actually use it. When you can, put something into savings regularly, even a small amount.

Common questions

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