The law and your debts


Every year many people find that they cannot pay the debts they owe. Some of the debts that people could find themselves facing include:

  • Mortgage arrears
  • Council tax
  • Income and other business taxes
  • Hire purchase agreements
  • Utility bills
  • Bank overdrafts
  • Loans

Debt law states that all the organisations that you owe money to should treat your case sympathetically. You should contact the organisation that you owe money to as soon as you can. Don’t ignore your debts, as this will simply make them worse. Most people find that facing the debts they owe and being honest about their circumstances will often allow they to come to an arrangement with the organisations they are in debt to.

The use of the courts regarding debt law usually means the Small Claims Court. Here any individual that you owe money to can take you to court if you have not paid your debt. Debt law also allows government agencies such as HMRC (HM Revenue & Customs) to use the Small Claims Court to obtain the tax you owe them.

If you are taken to court over a debt you owe, it is always a good idea to have legal representation. Having a solicitor represent you is very important if you think you do not owe the debt. In these cases of disputed debts, the law will come into action and a court will consider the evidence and make a judgment. You can use debt law to your advantage, but as this is a complex area of law, always seek qualified advice as soon as you can.

If you would like to obtain legal advice about debt law, Caven can put you in touch with a local specialist financial law / debt law solicitor free of charge. So, if you have any questions or would like our help in finding local financial law / debt law solicitors please call us on 08001 221 2299 or complete the web-form above.

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