What is a debt emergency?
A debt emergency is something that needs action immediately where failure to act will have negative consequences. The action is intended to:-
- prevent something happening - eg: a tenant being evicted from her/his home; or
- meet an imminent deadline - eg: a court hearing the next day.
The emergency action is aimed at delaying the threat or meeting the deadline, where possible, without making financial commitments that one cannot keep.
Examples of Emergencies
- Threat of possession proceedings or actual eviction for mortgage or rent arrears.
- In England and Wales, summons to committal hearing or arrest warrant for debts in the magistrates' court including council tax, child support, maintenance and fines.
- In Scotland, summons to means enquiry court for fines or summons to summary proceedings or arrest warrant for child support.
- Disconnection for gas or electricity.
- Court hearing or proceedings for any type of debt enforcement action or, in N. Ireland, where proceedings have been started by the Enforcement of Judgments Office.
- Bailiff (Sheriff officer in Scotland) action to seize goods.
- Hire purchase company has repossessed essential goods or is threatening to repossess them.
- In England and Wales, a statutory demand has been issued by a creditor and one wants to avoid bankruptcy.
Warning!!! When dealing with emergencies you should seek specialist advice!!!!!