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When everyone has a home

Housing advice for Northern Ireland

Negotiating

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.

Planning your finances and your repayments is the most effective way of dealing with debt. An adviser can help you with this process if you're not sure what you should be doing.

Get advice as soon as possible if you can't pay. The Land & Property Services have a strict procedure for recovering rates arrears. There are strict time limits. If you contact your local Land & Property Services office, you may be able to negotiate a payment plan.

Having a careful look at your financial situation is a good starting point for dealing with your debts.

Lots of people get back on their feet after falling into arrears and manage to keep their home. Falling behind on your mortgage doesn't mean you'll have to hand back your keys or that you'll have to pay everything you owe in a lump sum. Your lender should offer you a range of options to help you get back on track.

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.

Use the Loan Calculator from the Money Advice Service to work out how long it will take you to pay off your loan, based on your current monthly payments. If the loan is secured on your home, you could end up losing the property if you fall behind on your repayments. If you're having money problems, it's best to get some free, independent advice from a charity before you take on any further debt.

Make a list of all your debts. Check the bills or reminders that have been coming through the post and go through your bank statements to see what direct debits are being taken out of your account. Sort these into priority debts and non-priority. If you don’t pay priority debts you could lose your home or lose essential services.

Use the Loan Calculator from the Money Advice Service to work out how long it will take you to pay off your loan, based on your current monthly payments. If the loan is secured on your home, you could end up losing the property if you fall behind on your repayments. If you're having money problems, it's best to get some free, independent advice from a charity before you take on any further debt.

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