In the last 3 months, have you had a problem paying for one or more of these priority costs and debts?

Priority debts are debts such as mortgage arrears, rent arrears, fines and maintenance payments. With these debts creditors have extra powers to: repossess property, evict you, disconnect utilities or you could face further court action.

In the last 3 months, have you had a problem paying for one or more of these secondary debts?

Secondary debts are debts where the creditor does not have extra powers, for example they can't take your home. The consequences of not paying these debts are less serious but don't ignore these debts - you can still be taken to court if you don't keep up the agreed payments.