Rent Arrears & Debt

When people fall into debt with their rent, this is known as rent arrears. Like mortgage arrears, rent arrears are a priority debt that should be dealt with as quickly as possible, above other debts if need be. If rent arrears are not dealt with, this type of debt can result in an eviction and even legal action.

Dealing with rent debt

Rent arrears, missed rent repayments, should be prioritised. Getting back on track with rental debt means sorting out your debt and setting out a monthly budget. Talking with your landlord is essential, and many landlords will be understanding and sort out a repayment plan. This can either be unofficial, or through and official debt management plan.

Housing benefit and arrears

In some instances, housing benefit may be caused by problems relating to Housing Benefits. If Housing Benefits have not been paid, the renter should contact their local council at once to find out what is happening. They should also approach the landlord or seek advice. The key is to communicate closely with your landlord.

Rental payment help

In some cases, government help is available to make rental payments. For instance, those on a low income may qualify for housing benefit, council tax benefit or tax credits. Debt advice agencies may be able to help advise how to maximise benefits.

Serious rental arrears and legal action

If renters fall into serious arrears, landlords have the right to seek a court order against their tenants. This will typically require an eviction. The rules regarding eviction are complex, and housing charities such as Shelter will be able to provide more information.