{"id":546,"date":"2017-01-25T14:47:05","date_gmt":"2017-01-25T14:47:05","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=546"},"modified":"2021-06-28T16:38:20","modified_gmt":"2021-06-28T15:38:20","slug":"debt","status":"publish","type":"page","link":"https:\/\/ccpc.inventise.ie\/consumers\/money\/debt\/","title":{"rendered":"Debt"},"content":{"rendered":"
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Debt action plan<\/a><\/h2>\n

If you are having money problems, you may be tempted to ignore them and hope they will go away. <\/p>\n<\/div>
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Mortgage arrears<\/a><\/h2>\n

Being in arrears on your mortgage means that you have missed some or all of your mortgage repayment. If you can\u2019t meet your mortgage repayments, or you\u2019re worried you might fall behind, you should contact your lender as soon as possible as missing a mortgage repayment could have a negative effect on your credit rating.<\/p>\n<\/div>
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Problems making car repayments<\/a><\/h2>\n

If you are having problems making your car repayments you have several options. These depend on what type of finance agreement you have.<\/p>\n<\/div>
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Credit card debt<\/a><\/h2>\n

If you have credit card debt and are only making the minimum monthly repayment, it can feel never ending. This is because the minimum repayment you make might be only a little higher than the interest each month so the amount you owe will reduce very slowly.<\/p>\n<\/div>
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Consolidating debts<\/a><\/h2>\n

Consolidating debts means putting all your outstanding loans into one loan.<\/p>\n<\/div>
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<\/div>\n","protected":false},"excerpt":{"rendered":"

If you are having money problems, you may be tempted to ignore them and hope they will go away. If you find you are always running out of money, missing loan repayments or relying on credit to pay for your day-to-day spending, tackle your situation as soon as possible, before you fall into more serious debt.<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":11408,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"page-sub-landing.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[21,55,8],"class_list":["post-546","page","type-page","status-publish","hentry","tag-debt","tag-debtmoney","tag-money"],"acf":[],"yoast_head":"\nTackling debt - CCPC<\/title>\n<meta name=\"description\" content=\"Information on debt management, tackling debt, debt action plans, credit card debt, mortgage arrears and problems making car repayments.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tackling debt - 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