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Debt is often described in negative terms. But borrowing money, or ‘taking on debt’, isn’t necessarily a bad thing. Manageable debts, that you can comfortably pay back over an agreed period, are often necessary in order to take that next step in life.

It’s only when debt repayments become unmanageable or unaffordable that debt becomes a problem.

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Depending on how much you owe and the amount of time that has passed since you last made a payment, your mortgage provider may be threatening to repossess your home. This can be very stressful.

You’ll usually receive a notice of repossession in the post. When you receive it, read it carefully and follow any instructions in the letter. Your lender may want you to call them to discuss the situation. Home repossessions are typically a lender’s last resort to recovering debts, so you may still have an opportunity to discuss alternative options. As we said before, lenders are always keen to recover the debt without seizing your home.

The notice of repossession may include a court date. While this may add to your existing debt worries, attending the hearing gives you an opportunity to propose a payment plan with your lender.

We strongly advise you to contact us to see what options are available to you to before attending any court hearings related to your mortgage debt.

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People Helped

During 2016 CreditFix helped over 19,803 people with their debts

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Combined Experience

Our Insolvency Practitioners have over 70 years’ combined experience

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