With credit cards, store cards, overdrafts and bank loans easily available, it's easy to slip into debt. A lot of housing problems are due to financial difficulties, so if you do find yourself getting into debt, take action as soon as possible.

If you ignore the problem it could get worse.

Get debt advice

It is often difficult to deal with a debt problem. It is easier to ignore your debts. Most debts can be sorted out if you know what to do. You must plan a solution if you are in a complicated debt situation. This section outlines a step-by-step approach to managing your debt problems. More

Mortgage arrears

Repaying your mortgage should be your main priority. You could become homeless if you don’t keep up your mortgage repayments. This doesn't happen automatically. If you ignore the problem it will become more difficult to control your debt. More

Private sector rent arrears

If you don't pay the rent your landlord can evict you. You may be able to keep your home if you act quickly. Get in contact with your landlord and don't just hope that the problem will disappear. More

Housing Executive rent arrears

If you don't pay your rent to the Housing Executive you will build up rent arrears. The Housing Executive can evict you if you have rent arrears. The Housing Executive must get a court order before evicting you. Get advice as soon as possible if you have rent arrears. More

Housing association rent arrears

Your housing association can evict you if you don't pay the rent. However, the housing association will have to go to court before you must leave your home. More

Rehousing options

You have a number of options if you are being evicted or your home is being repossessed. Which option you decide to go for depends on your personal circumstances. Apply to the Housing Executive as homeless More

Rates arrears

If you do not pay your rates the money you owe is known as rates arrears. Get advice as soon as possible if you can't pay your rates. Land & Property Services have a strict procedure for recovering rates arrears. More

Image 1 Clayton Hansen