Loans that aren’t secured on your home (like a mortgage for example), overdrafts, credit cards and mail order agreements are often known as ‘non-priority’ debts. You generally have to deal with these debts by coming to an arrangement with the creditor to pay an amount you can afford.
If you can’t come to an affordable arrangement, the creditor may claim their money through the court. The court can then order you to make payments at a rate you can afford, after looking at your income and outgoings (expenses). As long as you can keep up with payments as ordered by the court, the creditor cannot take enforcement action – such as using bailiffs- against you.