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When everyone has a home

Housing advice for Northern Ireland

Payment plans

CORONAVIRUS UPDATE

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.

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.

The Housing Executive or housing association can use different methods to get the money that you owe. If you're worried about the rent you owe, get help from a charity that provides money and debt advice.

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.

You need to understand your debts in order to deal with them properly. You need to prioritise your debts, figure out what you owe and to whom and work out how much you can afford to pay towards these debts. This means you'll need a good understanding of your financial situation and setting yourself a household budget.

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.

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

The key aspect of budgeting is being honest and realistic, whether you’re listing your income or your outgoings. A financial statement, containing a listing of your income and expenditure, is a starting point for dealing with debt and making a sustainable repayment proposal.

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