Having unpaid debts is a stressful situation for anyone. Unfortunately, if you are unable to pay what you owe, the consequences can be even more painful. You could be taken to court and face legal action from your creditor. In the UK, bailiffs are generally not allowed to enter your property or continue action unless you have failed to pay or ignored their previous letters and warnings. If things get that bad and you are unable to repay your debt, a bailiff might come knocking on your door.
Here are some expert tips on stopping bailiff action before it’s too late:
Ask for time to pay off your debt
When a high court enforcement agent (bailiff) comes to collect a debt, they will try to get the amount you owe in cash. If you don’t have the money on hand, you may feel embarrassed as the bailiffs are trained to find ways to get money owned via judgement debt. In this situation, it may be helpful to ask for more time to pay off your debt. This gives you time to find the money to pay your debt and avoid any further penalties. It can be difficult to get a creditor to agree to this, but it’s something you should try if you don’t have the cash available. This can save you from going to prison and from having a negative mark on your credit score. Our recommendation is that you contact a debt advisor /debt management company well in advance at the stage of claim form / court proceedings, so this situation of bailiff enforcement could be avoided. However it is recommended to contact a professional debt advisor / debt solution firm ASAP when you feel that judgement order is against you .
IVA / Bankruptcy may help stop bailiff action
An Individual Voluntary Arrangement (IVA) is an agreement between you and your creditors to pay off what is owed to them over a specific period. This can help you to stop bailiff action if you are struggling to make payments on what you owe. An IVA is a legally binding contract between you and your creditors that could allow you to pay off your debts over a specific period. An IVA professional would help you to set up an IVA contract, and your creditors have to accept the terms. It is important to note that an IVA does not get you out of debt. It is simply a way for you to repay your creditors over time. However, an IVA has some benefits that could help you to stop bailiff action. For example, an IVA may reduce your interest rates. Additionally, you don’t have to make repayments while the IVA is active. This can give you some time to get back on your feet financially and avoid going to prison. Kindly note IVA is a legally binding / formal debt solution plan and you must choose it very carefully as your personal details will be published on bankruptcy register of UK.
Do you want To Stop Bailiff Action Right Now?
Stop Bailiff Action with an Informal Debt Plan (DMP)
If you have multiple debts, it can be difficult to make regular payments on all of them. You might be struggling to get out of debt and avoid further penalties. If this is the case, you could consider debt consolidation via an informal debt management plan. Debt consolidation allows you to combine all of your debts into one payment. This might include all credit card payment, all personal loans,HMRC debt and even a debt to a utility company. This simplifies your payments, so you have fewer bills to pay each month. Plus, it could help you avoid further penalties from your creditors. If you are struggling to make payments on your debts, it could be beneficial to talk to your creditors about consolidating your debts. This can help to stop bailiff action and allow you more time to repay what you owe.
Set a repayment schedule as soon as you know you cannot pay
If you are unable to make all of your payments on time, it is important to set up a payment plan as soon as you know you cannot pay. Please seek help from local Citizen advice bureau ,based at your local council . This gives you time to catch up on your debts and avoid further penalties. You can also negotiate with your creditors to get them to agree to a payment plan that works for both you and them. If you set up a payment plan and stick to it, your creditors will not have any reason to take action against you. This could stop bailiff action and help you to get back on track financially. Be sure to stick to your payment schedule, though.
Don’t ignore letters from your creditors or the bailiff
Bailiffs don’t come knocking at your door every day, but ignoring their letters specially notice of enforcement could make matters worse. If you receive a letter from a bailiff, it is extremely important that you respond and let them know that you are aware of the situation. It’s also important to deal with any issues with your creditors, such as missed payments and overdrafts, as quickly as possible. If you ignore letters from your creditors or the bailiff, it could lead to further action being taken against you. This could include legal action or the use of a bailiff who comes to collect your debt. It is important to deal with these issues as soon as possible to avoid worsening your situation.
Negotiate with your creditor or find an expert who can help you
If you are unable to stop bailiff action and you owe a lot of money, it can be helpful to negotiate with your creditors. This could help you to stop bailiff action and avoid further penalties. You can start by talking to your creditors and seeing if they will agree to more time to repay your debt or a lower repayment amount. If this doesn’t work, you could hire an expert to help you negotiate with your creditors. The best thing you can do is to act quickly and be proactive in dealing with your creditors. This will help you to stop bailiff action and prevent further penalties from being added to your debt.
If you haven’t been able to pay your debt or set up a payment arrangement and the bailiffs are coming to your home, you don’t have to let them in.
You can stop them getting in and from taking your belongings by:
- Telling everyone in your home not to let bailiff inside your home.
- Keep your front / back doors locked – Bailiff can enter through any unlocked door.
- Park your vehicle / car in a garage away from your home.
Your information will remain confidential with us.