Working out your personal budget

Offers of payment to non-priority creditors


no money left to pay your non-priority debts?

If you have no money left to pay your non-priority creditors, you still have options.

What if I have no money left to pay my creditors? or contact us for advice.


Extra advice:

small offers

Don't worry if your offers look very small. Your creditors would rather you pay a small amount regularly than make promises you can't keep to.


Once you have worked out how much you are going to pay off your priority debts, see what money you have left over Your budget will work this out for you. If you have some money left, Your budget will divide up the money between your non-priority creditors. This is done using a pro-rata distribution. This is how the court would do it and means all your creditors get a fair share of the money you have available.

Extra advice:

what to do next

If you are not sure about what to do next, or about the best option to deal with your debts, contact us for advice.

What if I already have a county-court judgment?

You should include this debt with your non-priority debts. There is a box you can tick to say that you have a county-court judgment. If you tick the box, you can enter the amount the court has ordered you to pay. If you do not tick the box, Your budget will show you how much a pro-rata offer would be to this debt. If the pro-rata offer is less than the amount the court has ordered you to pay, you may need to apply to the court to reduce the amount. This will mean you are treating all creditors fairly and you are not paying one creditor more than you can afford. If you need to reduce the amount that you have to pay on a county-court judgment, contact us for advice.

What if my creditors take court action?

Are your outgoings more than your income?

If your outgoings are more than your income, you should look to see if you can increase your income or reduce your outgoings.

if you can pick up any tips from Increasing your income.

if you can pick up any tips from Help with managing your money and budgeting.

If your outgoings are still more than your income after doing these things, contact us for advice.