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When everyone has a home

Housing advice for Northern Ireland

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.

If you fall behind on your rent, the Housing Executive or housing association can take steps to end your tenancy and evict you. Your landlord will need to get a court order before you'll have to leave the property and this will always be a last resort. Your landlord should try to sort the situation out with you before it starts legal action.

If you fall behind on your rent, the Housing Executive or housing association can take steps to end your tenancy and evict you. Your landlord will need to get a court order before you'll have to leave the property and this will always be a last resort. Your landlord should try to sort the situation out with you before it starts legal action.

When you’re in debt it’s not always easy to recognise that you have a problem and need to get help. Learning how to budget effectively is a good first step. The good news is that there are lots of charities and government funded agencies that can help you with this, so you should never have to pay for debt advice.

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.

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.

There are a few different things that can happen if you have to go to court for a possession hearing.

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.

When you're in debt, you need to make sure you're making the best possible use of any money coming into your home. Check to see if you're entitled to any benefits or tax credits. You could ask for extra hours at work or rent out a room in your home to increase the amount of money your household has.

Use these letter templates if you need to negotiate with a lender, landlord or other creditor about debt problems

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