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Non-payment enforcement

Advice NI factsheets explaining how non-payment of different types of debt can be enforced in Northern Ireland.

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 Advice NI 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 a creditor makes a claim through the courts to recover a debt, a court judgement may be made detailing that the debt is legally owed. If this debt is subsequently not paid, the creditor has the right to instruct the Enforcement of Judgements Office, known as the EJO, to enforce this court order.

This factsheet details how Judgements are enforced.

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Next steps

If you’re facing serious debt problems, we can help you look at what to do. Options in Northern Ireland 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.

Patricia’s story
We’re behind the scenes as civil servants. But we’re all important, we’re all doing something to help our community in our own way.”
Patricia'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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