Step 3 Choose your debt solution 3 Read the sections that are relevant to your situation Priority debts only? Both priority and Non-priority debts non-priority debts? only? Deal with your priority debts first on page 48 Summary budget for creditors on page 49 Ways to pay your creditors and make offers of payment on page 51 Common priority debts on page 53 How to choose a debt solution on page 70 Debt solutions at a glance on page 71 How long will it take to pay my debts back? on page 83 What to do after you have chosen your debt solution on page 84 What can my non-priority creditors do if I don’t pay the debt? on page 92 Debts with your bank: overdrafts, loans and credit cards on page 94 Do you need to double-check which type of debts you have? You sorted your debts into priorities and non-priorities in Step 1. For a quick recap, go to Sort your debts into priority and non-priority debts on pages 24 and 25. Page 47