Don’t be intimidated by bailiffs

If a bailiff has contacted you about unpaid debt and you’re struggling to make payments, we’re here to help.

We’ll speak with bailiffs for you
We’ll help you find a way to deal with your debts.
You may be able to write off at least some of your debt.

May not be suitable in all circumstances. Fees and disadvantages may apply, read here.

Stop Bailiff Action

Money Helper (formerly The Money Advice Service) is a free service set up by the Government to help people make the most of their money. If you would like to learn more click here. Please note that we have no affiliation with Money Helper.

Most importantly, do not panic.

Being contacted by bailiffs can leave you feeling very intimidated. But you have rights against bailiffs and our trained bailiff action team will help you enforce them.

1. Speak to our team.

Our experienced bailiff help advisors are waiting for your call.

2. We guide you.

We will discuss your needs and help you set up a suitable repayment plan.

3. Ongoing support.

We will liaise with your creditors for you and will offer ongoing help and support.

We step in, speak to bailiffs for you, and help you find a manageable solution.

Dealing with bailiffs can feel stressful and overwhelming — but you don’t have to handle it on your own. We provide straightforward support for people facing bailiff action. We can step in, speak directly with the bailiff on your behalf, and help you understand exactly where you stand. From there, we’ll help you find a manageable solution to deal with your debt, so you can move forward with confidence.

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Debts we can help with

This is not a full list of the debts that we can help with, please get in touch to see what other debts can be included.

Credit Cards

Unsecured Loans

CCJ’s/HMRC

Council Tax

Utilities

Enforcement Notices

4 Steps to dealing with bailiffs

1. Check who the bailiff is and what they’re collecting for – Ask for ID and a written notice of the debt before discussing anything further.

2. Don’t ignore them, but don’t let them in – You are not usually obliged to let a bailiff into your home for most debts.

3. Ask for full details of the debt – Request a breakdown of what you owe and confirm it is correct, in your name and legally enforceable.

4. Seek advice and explore options quickly – Contact us now so that we can negotiate with the bailiffs on your behalf.

Frequently asked Questions

If you receive a bailiff letter in England or Wales, it’s important not to ignore it. The notice should confirm the debt, the amount owed, and who the bailiff is acting for.

Check the details carefully to make sure everything is accurate. At this stage, you still have time to take control and prevent further action. Speaking to a bailiff advisor early can help you understand your options and find a way forward before a home visit is arranged.

Bailiffs must follow strict rules when collecting debts in England and Wales. They cannot usually force entry, must treat you fairly, and cannot take essential household items or goods that do not belong to you. There are also clear limits on how and when they can visit. Understanding your bailiff rights can help you feel more in control and avoid unnecessary pressure. A bailiff advisor can explain your rights clearly and help you take the right next steps.

Bailiffs can usually visit your home between 6am and 9pm, or during normal business hours if attending a workplace. They should not visit outside of these times or on certain days without proper authorisation. Knowing when bailiffs can visit can help you feel more prepared and avoid unnecessary stress. If you’re unsure whether a bailiff has acted within the rules, a bailiff advisor can help you understand your rights and what to do next.

Bailiffs can visit your workplace, but this is not common and must be handled carefully. They are not allowed to discuss your debt with your employer or colleagues or put you in an uncomfortable position. If you are concerned about a visit to your workplace, it’s important to seek advice as soon as possible. Taking early action can often prevent this and help you manage the situation more privately.