Naturalisation. Good character. Financial soundness. Debt

If you apply to naturalise as a British citizen, you must be of good character. One of the factors considered when assessing your character is your financial soundness.

Being in debt may be an issue affecting your financial soundness, depending on the circumstances.

Your application will not normally be refused simply because you are in debt. If you have payment plans in place, agreed with your creditors, and you make the payments in full and on time, your application for citizenship may not be affected.

It is the same where you can show that you made efforts to reduce the level of debt, to contact your creditors and negotiate with them.

However, if you deliberately and recklessly accumulated debts and have no serious intention to pay them off, to negotiate payment plans and respect the agreed instalments, the application will normally be refused.

If you want to apply for British citizenship or for a British passport and need specialist advice, feel free to contact me. Please note that I am an accredited immigration adviser, not an employee of the UK Visas and Immigration. I charge fees for the advice provided.