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Ignoring debts can lead to more problems. Our research shows that half the people we speak to wait a year or more to contact us. Taking those first steps is scary, but it is important.
We know it can hard to open letters or pick up the phone. But ignoring debts makes things harder in the long term. So, please take the first step.
What happens if I ignore creditor letters or emails?
Try not to ignore letters or emails from your creditors. Especially if you have arrears.
You could miss important paperwork, like:
- Your creditor telling you they passed your debt to a debt collection agency
- Default notices
- Court action or a letter of claim
- A statutory demand, the first step for a creditor trying to make you bankrupt
Some of these letters have strict deadlines and your creditor can take further action if you do not reply. Ignoring them is not a good idea.
Make sure your creditors have your current address.
You might not know about court action if you do not get important letters.
Worried about debt?
What if I ignore creditor phone calls?
Some people find it quicker and easier to deal with creditors by phone. But it can be really stressful for others.
A creditor cannot make you talk to them on the phone. You will not get in trouble if you refuse.
It is even more important to read your letters and emails if you do not want to talk on the phone.
See our guide to phone calls from your creditors for more advice on your rights.
How can we help?
Get free and impartial advice on your debts.
Use our online debt advice tool for free. Anytime, anywhere.
