non-priority debts
"Debts with the least serious consequences"

Examples of non-priority debts are:-

• Credit card and store card arrears
• Catalogue arrears
• Bank overdrafts and loans
• Benefits overpayments
• Hire purchase (sometimes called 'conditional sale') will be a non-priority debt if it is for goods which are not essential to you, for example, a television bought on HP
• Money borrowed from family or friends.

You cannot be imprisoned for not paying non-priority debts. You are unlikely to lose your home or your essential goods. however, if you make no offers to pay, without explaining why, the creditors will take you to court. If you still fail to pay when the court has ordered it, the creditors can take further action - for example, they can get another court order allowing them to send bailiffs in.