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When everyone has a home

Housing advice for Northern Ireland

Debt advice

Your best shot at saving your home is to get advice and go to your hearing. There will often be a solicitor from Housing Rights at court on the day of your hearing who can represent you in front of the Master.

There are a few key steps you need to take to deal with your debts effectively. A charity that provides debt advice can often help you with this.

Most people have to pay rates on their homes. Land & Property Services is responsible for collecting this money and can take legal action against you if you don't pay. If you're on a low income you may be entitled to housing benefit or rate relief to help you pay the rates on your home.

There are practical things that you can if you're having difficulties paying your mortgage. The most important of these is to get advice so you fully understand your options.

If the money from the sale of your home isn't enough to cover your debts, you will still owe the outstanding amount to your lender or mortgage indemnity insurer.

Getting into difficulties with your mortgage payments is often easier than you think, so the sooner you tackle your financial problems, the better the result may be for you.

Many people can sort out their debt problems by negotiating with creditors and trying to settle debts, often with free help from an advice agency. However, there are more formal ways to solve debt problems but these will have a big impact on your future ability to get a loan, mortgage or any other type of credit.

It's essential that you get help and advice if you're struggling to pay your mortgage. The sooner you start dealing with your mortgage debts, the more options you'll usually have. If you ignore the problem it becomes harder to manage and you could end up losing your home.

If a loan has been secured on your home the lender can try to repossess the property if you don't pay the loan back.

Adesea este dificil să ne confruntăm cu probleme legate de datorii, însă majoritatea datoriilor în general se pot rezolva prin planificare și printr-un mod de abordare pas-cu-pas pentru gestionarea finanțelor dvs.

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