What happens if...?

Debt problems often begin with an event rather than a chosen solution. Start with what has happened, then understand the next practical steps and where to get help.

Reviewed 2 November 2026General information, not debt advice

I miss a payment

Understand what may happen after a missed credit payment and why priority bills need particular attention.

I receive a default notice

Understand what a default can mean and why the exact notice matters.

I get a CCJ

Understand what a County Court Judgment means and what GOV.UK says about payment and records.

A debt collector contacts me

Separate a collection contact from court enforcement and understand how to verify what is being claimed.

I cannot pay council tax

Council tax arrears can escalate. Get help early if you cannot keep up.