What if I ignore my debts?

What happens if I ignore creditor letters or emails?

Try not to ignore letters or emails from your creditors. Especially if you have arrears.

You could miss important paperwork, like:

• Your creditor telling you they passed your debt to a debt collection agency
• Default notices
• Court action or a letter of claim
• A statutory demand, the first step for a creditor trying to make you bankrupt

Some of these letters have strict deadlines and your creditor can take further action if you do not reply. Ignoring them is not a good idea.

Make sure your creditors have your current address.

You might not know about court action if you do not get important letters.

Worried about debt?

What if I ignore creditor phone calls?

Some people find it quicker and easier to deal with creditors by phone. But it can be really stressful for others.

A creditor cannot make you talk to them on the phone. You will not get in trouble if you refuse.

It is even more important to read your letters and emails if you do not want to talk on the phone.

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