Can bailiffs come in and take my stuff if I am behind with payments for my debts?

 

A. No, bailiffs can not attend your property for credit debts until they have a County Court Judgment (CCJ) and you have missed the payments ordered by the court. Bailiffs can attend your property for council tax arrears, once the council has obtained a liability order. B. You do not have to let a bailiff into your home unless they can show you a court warrant to do so. If you do let them in, even on an excuse such as wanting to use your toilet, they have the right to remain there and remove goods to sell them to reduce your debt.

C. If you are in arrears with payments for a Magistrates' Court Fine, bailiffs can attend your property and CAN force an entry.

 

Will my creditors accept lower payments if I am struggling to make my contractual payments for my credit debts?

 

If your situation is very temporary, creditors will sometimes consider allowing you to make lower payments for 1 or 2 months. You will need to contact your creditors to discuss this. However if your situation is not very temporary or you would like your creditor to consider accepting lower payments and freezing further interest and charges, you will need to stop payments and request your creditor issues a default on your account. Usually, once the default notice process has been completed, creditors and their agents will consider accepting lower payments.

 

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