The government say that staying on top of debts like mortgages and rent are the most important when it comes to your personal arrears and it's vital to make them a priority.
Included in the government report is a list of what they call priority and non-priority debts. At the top of the priority debts are mortgage repayments, closely followed by council tax and any other bills that can cost you your home if not paid off.
Non-priority debts are unsecured items like phone bills, catalogue arrears, bank overdrafts and anything on hire purchase.
The government say that the most important thing is keeping a roof over your head and your family.