Non-priority debts fall into one or more of the following categories:
- Credit card or store card arrears
- Catalogue arrears
- Bank overdrafts or loans
- Benefits overpayments
- Hire purchase for non-essential items
- Money borrowed from family or friends
If a debt is a non-priority one, it will not lead to imprisonment. However, the creditors will still take the individual to court in the event of non-payment and no explanation from the individual. Should the individual not pay following the court order, the creditor can then take further action e.g. obtain a court order to send bailiffs to the individual.