Priority debts - other

Once you know what to do about any arrears on your rent or mortgage, do the same for your other priority debts.

For each debt, click on the link below to find out if you are liable, whether you can reduce the bills, and what to do about it.

• Council tax
• water rates
• gas and electricity.

For advice on dealing with other priority debts, such as court fines or maintenance payments, contact a specialist advice agency, for example, Citizens Advice Bureau.

Contact each debtor with an offer of payment. Don't forget to update your personal budget and include a copy.

Use the repayments calculator and the creditor letters activity to work out how much to offer each of your creditors.