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What is Priority Debt?

Debt Types

A debt with serious consequences if unpaid — for example rent, mortgage, council tax, utility arrears or court fines. These should be addressed first.

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Related Debt Types terms

Arrears

Payments you have missed or paid late on an existing debt, which build up over time and can trigger extra charges.

Creditor

Any person or business you owe money to — for example a credit card company, your bank, the council or HMRC.

Hire Purchase (HP)

A finance agreement where you hire an item (often a car) and only own it once the final payment is made.

Joint Debt

A debt taken out in two or more names where each borrower is jointly and fully responsible for the whole balance.

Mortgage Shortfall

Money still owed to the lender after your property has been repossessed and sold, if the sale did not cover the outstanding mortgage.