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.
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.
You can be evicted if you owe a lot of rent. Your landlord has to take you to court to evict you. They should only take you to court if all other ways of getting you to pay what you owe fail. Contact our helpline if you are finding it hard to pay your rent.
You could lose your home if you don’t pay your rent. Your landlord, whether it’s the Housing Executive or a housing association will have to follow the proper procedure before this happens. Part of this procedure is to work with you to try to sort out the problem.
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.
When a tenant is late with rent or hasn't paid, it can have a huge effect on your own finances. Contact your tenants as soon as possible to discuss any arrears, as there may be a valid reason for them.
Get advice if you are having money problems. It can be hard to ask for help, but there are lots of organisations who will help. They won't judge you or make you feel bad. They are there to help you deal with your debt.