Debt and money
Court processes to enforce a debt, and insolvency options for a person in debt to deal with their situation.
Where to get debt and money advice
Debt advice and solutions are available from an FCA-authorised debt adviser, local authority, or through legal aid if the debt could result in the loss of the person's home.
How to help someone in a financial crisis
A guide for advisers on how to help someone in a financial crisis, in rent or mortgage arrears or in need of other financial support.
Council tax
A local authority charges residents council tax and can take action to recover and enforce the debt if it is unpaid.
Banking and financial services
Bank account applications, information about how to choose a basic bank account, problems managing bank accounts, and how to complain.
Debt relief orders
A debt relief order is a way for someone to have up to £50,000 of qualifying debts written off if they have a low income and little or no assets of value.
Breathing space and mental health crisis moratoriums
A breathing space or mental health crisis moratorium can give a debtor respite from enforcement for eligible debts.
Debts incurred through fraud
Debts that have been incurred through the debtor's fraud are not written off in bankruptcy or a debt relief order and cannot be included in breathing space.
Possession proceedings against a bankrupt tenant
If the tenant is bankrupt, the possession proceedings can continue but there are restrictions on the rent that the landlord can recover.
Money claims and judgments
Money claims in the County Court are issued by a claimant for the repayment of a debt owed by the defendant.
Money judgments in possession proceedings
Landlords may claim rent arrears and costs in possession proceedings and when they take steps to enforce, judgments may appear on the credit reference file.
Equitable interest in property
Equitable interest in land is the money that a legal owner, joint owner, or non-legal owner is entitled to from a sale of the property.
Charging orders and orders for sale
Court orders securing unpaid debts against land owned by the debtor, and orders forcing the sale of their property.
Magistrates' court fines
A magistrates' court fine can be challenged if the debtor was not aware of it, paid at an affordable rate, or remitted if it is not affordable.
Challenging guarantor agreements
A guarantor agrees to be liable for a debt if the principal debtor fails to pay what they owe under their agreement.
Debt case law summaries
Debt case law summaries give an overview of important court decisions in breathing space, enforcement, housing debt, and more.