Action your creditor can take
If you've stopped repaying your debts, a creditor may try to take you to court to order you to pay back the money you owe.
The following pages explain the different ways you can be ordered to pay back the money, including how to prepare for going to court and how to stop a court order or get it changed. They also tell you how your creditor should behave towards you and what you can do if you think they're harassing you.
What happens if you are taken to court for money you owe
Advice on what happens if you are taken to court for money you owe. Find out what to do, how to get legal advice and your options for responding to a claim.
Harassment by creditors
How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are being harassed.
Being forced to pay your debts
Information for people whose creditors are taking legal action against them.
If your house and possessions are being sold to pay your debts
Information on what actions can be taken by creditors when you are in debt.
If a creditor takes money from your bank or building society
Information about bank or building society accounts being frozen by a creditor, what the protected minimum balance is, challenging the arrestment and applying for time to pay.
If a creditor takes money from your earnings
Information on how a creditor can take money from your earnings if you are in debt and how much they can take.
Powers of sheriff officers
Information about sheriff officers’ duties and powers, including advice about how to stop them taking action against you and how to complain about them.