The client is facing the imminent loss of essential goods – eg, if hire purchase goods are about to be repossessed

•Check the paperwork to see what stage debt recovery is at. Speak to the creditor and ask what they want and if they will accept a time to pay offer (see Chapter 11).

•Check the agreement and see what the terms are. It may include a clause on insolvency, which you need to be aware of.

•Look at the options available and decide which route to take - ie, time to pay, a time order or a statutory debt solution. A statutory moratorium may prevent the recovery of money owed, but not the repossession of the goods.