You and those who have thus far replied to your query seem confused about the significance of "priority of [preferential] debts".
These are those debts listed in part XII of the Insolvency Act 1986 (sec. 385 and following) in relation to distribution of assets of a bankrupt individual or company. Outside of bankruptcy nobody is obliged to take notice of such an order in distribution. Ian Fletcher says (The Law of Insolvency, 2d ed., pp. 287-88),
"After the creditors have had the opportunity to lodge their proofs and these have been processed by the trustee, the Act prescribes that the distribution of the first and any subsequent dividends should take place whenever the trustee has sufficient funds in hand for the purpose. On each occasion when a dividend is declared and distributed the trustee is required to retain such sums as may be necessary for he expenses of the bankruptcy. He must also make provision, in calculating a dividend, for any bankruptcy debvts which appear to be due to persons who, by reasons of the distance of their place of residence, may not have had sufficient time to tender and establish their proofs, and for any dbts which are the subjects of claims which have not yet been determined, and likewise for disputed proofs and clams.
"It is by no means the case that all the funds in the trustee's hands will simply be distributed amongst all the proving creditors in equal proportions, for the law divides the debtor's liabilities into a number of separate categories, to each of which the funds of the estate are to be applied successively in a well-established order of priority. Since it is possible for the liabilities which enjoy first or early priority to be so large as to swallow up all the funds, the general body of ordinary creditors may in many cases receive little or nothing."
...
"(A) Priority of Distribution of Assets
"The categories of liabilities to which the funds are to be applied are, in order of priority:
(1) The expenses of the bankruptcy
(2) Pre-preferential debts;
(3) Preferential debts;
(4) Ordinary debts;
(5) Interest (accrued since the commencement of bankruptcy);
(6) Postponed debts;
(7) Surplus (payable to the bankrupt)."
Pre-preferential debts relate to certain employees' wages. Preferential debts are certain taxes and contributions to occupational pension schemes and state social security, and arrears in wages to employees (and levies on coal and steel production, relevant in few cases, all industrial ones).
Thus: outside of bankruptcy there is no such thing as "priority debts" except insofar as a creditor can be made to know that if it makes you bankrupt it will gain nothing. In fact, paying such a complaining or threatening creditor ahead of others could be a "preference" in another bankruptcy sense: recoverable by a trustee in bankruptcy for the estate to be shared out among all creditors.
You have your definition ("mortgages/rent" etc.) confused. There is no protection against foreclosure or eviction in bankruptcy or out of bankruptcy. Law relating to homelessness is a matter of council obligation, not creditor forbearance.
You are confusing "secured debt" vs. "unsecured debt" with priority in distribution of assets.The holder of secured debt gets custody of the security, whatever that may be, so long as the security is perfected.
It may be -- since you mention the USA (albeit as irrelevant) -- that you are confusing "exemptions" with "priority" in some way. In the USA (and to a tiny extent in England/Wales/N.I./Scotland) there are exempt assets: in the UK that's tools of the trade. In Florida, Texas and a few other states it is, indeed, your "homestead" (although the extent of homestead protection was greatly limited in last year's Bankruptcy Code amendments (to $135,000)). Even so, US exemptions even in low-exemption states such as Illinois and Ohio are far above UK levels. If you are curious about this you can Google "bankruptcy exemptions" and find explanations of US and Canadian allowances -- but they don't help you of course.
As for judges ordering attachments: once you are in bankruptcy (or an IVA if your creditors agree -- these are increasingly popular with consumers and their creditors, although originally intended for small businesses) unless your discharge is "conditional" there is no attachment possible of future earnings. Discharge is normally automatic after one year.
As others have said, it would be best for you to contact a CAB. So called "debt-relief" agencies are mostly scams, and much of which you pay them -- in fact everything you pay them for the first month or months -- goes to them and not to your creditors. Such agencies will NEVER be forthcoming to you. And often they won't contact your creditors either.
What you seem to need is creditor forbearance. This really isn't something you can accomplish by yourself unless you are very organized, and happen to be the victim of unfortunate circumstance, such as layoff or illness or accident.
Good luck.