There are lots of different factors to consider when giving the best debt advice, including how much you owe and to how many creditors, whether you own a home, what type of debt it is (eg. secured or unsecured) and much more.
We have tried to lay out in the most clear and concise manner when each kind of debt solution is most appropriate, what the advantages and disadvantages are, and how they work. We strongly recommend that you contact our experienced Debt Counsellors for expert debt advice before you make any decisions though, it's a free service and you can get in touch for free as well!
We have tried to lay out in the most clear and concise manner when each kind of debt solution is most appropriate, what the advantages and disadvantages are, and how they work. We strongly recommend that you contact our experienced Debt Counsellors for expert debt advice before you make any decisions though, it's a free service and you can get in touch for free as well!
Debt Advice 
The debt solutions that are
available include:
available include:
Dealing With Bailiffs
When you get in to trouble with your debt, one of the biggest fears is that bailiffs will end up coming to your home to take your possessions.However this is something that can always be avoided if you contact us for free debt advice early enough. We will be able to come up with viable solutions to your debt problems.
If you have received notice that bailiffs are going to visit your property then we may not be able to prevent that from happening with the advice on debt that we give, but we will be able to let you know about your rights and how to deal with bailiffs.
The most important thing to remember is, don't panic! Unless they are from the Inland Revenue to collect tax they are not allowed to force their way in, and if you can prevent them from taking your possessions and get in touch with us for debt advice we will be able to deal with your creditors and usually come up with better debt solutions.
WHEN
When Will Bailiffs be Called In?
Your creditors are not allowed to immediately go to bailiffs to have your possessions taken away when you are in arrears. In fact they will need a court order, so you will have plenty of warning that there is a problem before they turn up.
The most common way that bailiffs are used is to enforce a CCJ (discussed in the section on “Court Action”). If you fall behind with your payments of your CCJ then your creditors may ask the court to have bailiffs take enough of your possessions so that they can be sold in order to pay off the debt.
It's important to note that bailiffs are different from debt collection agencies, which have no legal power to seize your property. Contact us for more information on this and debt advice.
Your creditors are not allowed to immediately go to bailiffs to have your possessions taken away when you are in arrears. In fact they will need a court order, so you will have plenty of warning that there is a problem before they turn up.
The most common way that bailiffs are used is to enforce a CCJ (discussed in the section on “Court Action”). If you fall behind with your payments of your CCJ then your creditors may ask the court to have bailiffs take enough of your possessions so that they can be sold in order to pay off the debt.
It's important to note that bailiffs are different from debt collection agencies, which have no legal power to seize your property. Contact us for more information on this and debt advice.
HOW
How Do Bailiffs Operate?
There are very strict rules which govern the behaviour of bailiffs, and while they know all about them not many of the people which they go to visit do (and they don't bother to let them know!).
Here are some important points that it is very useful to understand:
Bailiffs must present a “warrant of execution” upon request if they are going to seize your goods,
Bailiffs are not allowed to force entry in to your home (unless they are acting on behalf of the Inland Revenue to collect taxes),
However, bailiffs can enter through open doors or windows without permission,
Also, if they have been allowed in once or have been able to get in through an open door or window, then they can force entry on subsequent visits.
This means that if the bailiffs cannot enter peacefully, they will eventually have to give up. If you know that bailiffs are coming and you don't want them to come in then you should make sure all your doors and windows are locked.
They may say that they are not going to take anything this time, that they just want to look around, or perhaps discuss options. While this will probably be true, if you let them in the first time they will be allowed to force entry the second time.
Also note that once the bailiffs are inside, if you try to use force to get them out then that will class as assault against them and you could end up facing charges against you.
There are very strict rules which govern the behaviour of bailiffs, and while they know all about them not many of the people which they go to visit do (and they don't bother to let them know!).
Here are some important points that it is very useful to understand:
Bailiffs must present a “warrant of execution” upon request if they are going to seize your goods, Bailiffs are not allowed to force entry in to your home (unless they are acting on behalf of the Inland Revenue to collect taxes), However, bailiffs can enter through open doors or windows without permission, Also, if they have been allowed in once or have been able to get in through an open door or window, then they can force entry on subsequent visits.This means that if the bailiffs cannot enter peacefully, they will eventually have to give up. If you know that bailiffs are coming and you don't want them to come in then you should make sure all your doors and windows are locked. They may say that they are not going to take anything this time, that they just want to look around, or perhaps discuss options. While this will probably be true, if you let them in the first time they will be allowed to force entry the second time.
Also note that once the bailiffs are inside, if you try to use force to get them out then that will class as assault against them and you could end up facing charges against you.
CONTACT US
Get in Touch
For more information on how to deal with bailiffs, or even better for free debt advice which should avoid your need to deal with them at all, please get in touch. Our friendly and understanding staff have a lot of experience in dealing with all sorts of debt problems and will be able to find a good solution for you.
For more information on how to deal with bailiffs, or even better for free debt advice which should avoid your need to deal with them at all, please get in touch. Our friendly and understanding staff have a lot of experience in dealing with all sorts of debt problems and will be able to find a good solution for you.