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What are priority and non-priority debts?

Only non-priority debts can be included in a Debt Management Plan (DMP) so it is important for you to understand which debts fall into this category.

Generally, priority debts are debts that have serious consequences if not repaid on time. For example, if you do not repay your rent, you could be evicted, or if your utility bills are not paid, your service could be interrupted.

Below we have listed debts that fall into priority and non-priority categories as a guide. For a definite list, or to find out whether the debts that you need help with can be included in a DMP, please complete our DMP enquiry form and a debt advisor will call you back to help.

Priority debts

  • Rent arrears
  • Mortgage arrears
  • Secured loan arrears
  • Council tax arrears
  • Gas/Electric arrears
  • Phone/internet arrears
  • TV licence
  • Court fines
  • Repayment of goods purchased on HP
  • Unpaid income tax, NI or VAT
  • Unpaid child maintenance

Non-priority debts

  • Credit cards
  • Store cards
  • Catalogue debts
  • Unsecured and payday loans
  • Water rate underpayments
  • Unpaid parking fines
  • Overpayment of benefits
  • Money owed to friends and family

Find out whether a Debt Management Plan (DMP) could be the right solution to help you repay your outstanding debts.

Complete our enquiry form to speak to a debt advisor today.

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Registered office: Paul House Stockport Road, Timperley, Altrincham, Cheshire, England, WA15 7UQ

Registered office: Paul House Stockport Road, Timperley, Altrincham, Cheshire, England, WA15 7UQ

© 2023 Dissolve Debt Ltd. www.yourdebtadvisor.co.uk is a trading style of Dissolve Debt Limited, which is authorised and regulated by the Financial Conduct Authority, firm reference number 662423. Your payments into a Debt Management Plan are protected, and compensation could be available from the Financial Services Compensation Scheme if there are any shortfalls in funds held on a customer’s behalf. 

We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency appointment.

Registered office: Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX. 

Registered office: Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX. 

© 2024 Advice Centre Group Ltd. www.yourdebtadvisor.co.uk is a trading style of Advice Centre Group Ltd registered in England and Wales (14322979). Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX. 

Adam Southard is authorised as a Licensed Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice regarding Individual Voluntary Arrangements (IVA) is given in reasonable contemplation of an insolvency appointment.

Adam Southard is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Office Holder No. 11930

Insolvency Practitioner Directory- Insolvency Practitioner Details (bis.gov.uk)

What you need to know about Individual Voluntary Arrangements (Insolvency Service) 

We provide solutions to individuals throughout the UK, We Will help recommend solutions available to your circumstances in which you can then make an informed decision about which solution you qualify for is best for you and your circumstances