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Non-payment enforcement

Links to National Debtline factsheets explaining how non-payment of different types of debt can be enforced in England and Wales

Don't ignore things

It may be tempting to ignore the situation and hope it goes away. But that can mean things gets worse rather than better.

Priority debts

Some debts are a priority as non-payment could lead to serious consequences such as loss of home or goods, disconnection of essential services or, in some cases, imprisonment.

These factsheets share information on the various stages of enforcement and the steps you can take to deal with priority debts.

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Other debts

Although usually not as serious, creditors can take enforcement action for these debts.

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County Court Action

If you default on payments, creditors could issue a County Court claim to obtain a County Court Judgement (CCJ). CCJ’s are registered for six years and can affect your ability to obtain credit. They also give creditors additional powers to enforce a debt so it’s important not to ignore them.

These National Debtline factsheets provide information on the procedures and how to respond to court claims.


Next steps

If you’re facing serious debt problems, we can help you look at what to do. Options in England and Wales include bankruptcy, Individual Voluntary Arrangements (IVAs) or Debt Relief Orders (DROs).

We can help

We know it can be difficult to acknowledge problem debt but there is help available.

Our free, impartial, confidential Money Advice Service advisers can talk through your situation and offer advice and support.

How we can help and support you

Dealing with debt

Top tips to help you review, manage and deal with your debt.

Help with money

Information and practical support to help you with money issues including JaneBot and our benefits calculator.

Debt and mental health

How money worries and mental health are connected.

Anna’s story
I cannot express to you what that money meant to me at that time. It meant I could put food on the table for my kids. It’s as simple as that. To have a charity like this, just for us civil servants… it’s incredible. To everyone who donates, know that you’ve helped me get my kids through the toughest time of their lives. And mine. Thank you.
Anna's story

What to do in a crisis

Charity for Civil Servants is not a crisis support charity. If you are in an emergency situation, here are some organisations that can help.

Got a question?

If you are not sure what you need or have question, contact us.

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