Get free, independent debt advice urgently if you’re facing a sudden emergency, such as:
- court action
- bailiff action
- disconnection, or
- eviction for mortgage or rent arrears.
Some debt advisers will be able to talk to the court, bailiff or creditor on your behalf. If you want someone to do this for you, check if they’ll be able to.
They’ll also advise you on what to do next.
It’s important to always turn up to a court hearing. It gives you the chance to come to an agreement.
If you don’t go, a decision might be made without considering information about your situation.
If you’re there you can tell the court what’s happening, and it might help them to reach a decision that is better for you.
Some courts use advice organisations such as Shelter or Citizens Advice who will be able to give you some last-minute advice on what to do.
If you’re due in court within 24 hours, ask if there’s someone you can speak to before your case is heard.