If you're having problems paying your mortgage, you must take action quickly to avoid falling into debt.
On these pages you can find out how to avoid falling behind with your mortgage payments, how to clear your debt if you do fall behind, what happens if you're taken to court because of mortgage debts and how to avoid losing your home.
How to stay in control of your payments and not run into trouble, including: how to plan your budget so you can manage your mortgage, how to deal with increases in your mortgage payments or a drop in your income, how to get the best mortgage deal available and what to do if you start getting into difficulties.
How to cut down your mortgage costs, how to make up your repayments if you're in debt, mortgage rescue and sale and rent back schemes, help if you're out of work and selling your property to clear mortgage debts.
What happens when a mortgage lender starts court action, how you can avoid the case going to court, what decisions the court can make, how you can defend a claim for mortgage debts and how to change a court ruling after it has been made.
How to prepare for a court hearing with your mortgage lender, including: what you should do before the hearing, what information you may need to take with you, who you can take with you, and what the hearing will be like.
What must happen before your mortgage lender can evict you, how to avoid eviction , what happens during an eviction, whether you should just hand back your keys to your mortgage lender before you're evicted and what responsibilities you'll have after you're evicted.
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