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Debt collection

What to do if your creditor takes action against you. Includes debt collection agencies, court action and bailiffs.

  • Dealing with Bailifs

    People run into debt for all sorts of reasons. Usually you'll find the companies you owe money to to be fairly reasonable as long as you stay in touch with them and show a willingness to repay your debts. However, you might find yourself faced with a pushy or aggressive debt collection company who won't accept your offers of repayment, or you may realise that you've been ignoring letters you shouldn't have.

  • How to avoid identity theft

    Your front door has a lock on it to prevent complete strangers from wandering in and rummaging through your drawers. You need to protect your personal details too, not with locks perhaps, but just as carefully.


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Information and advice from other websites

  • Bailiffsthis link opens in a new window

    These pages tell you more about what to do if you get a visit from bailiffs, including when you'll have to let them into your home, what bailiffs can and can't do, your rights if a bailiff calls at your home and what happens if a bailiff takes your things.

    From: Adviceguide from Citizens Advice

  • Debt management planthis link opens in a new window

    A Debt Management Plan (DMP) is an affordable repayment programme set up, for free, by National Debtline and managed by an independent company. Explains who can use the service and how it works.

    From: National Debtline

  • Help with debtthis link opens in a new window

    Explains how to seek help with debt problems, including information on organisations which may be able to provide help.

    From: Adviceguide from Citizens Advice

  • What happens if you are taken to court for money you owe (PDF)this link opens in a new window

    Information on what happens if you are taken to court because you owe money; it explains the court procedures and how to challenge the claim.

    From: Adviceguide from Citizens Advice

  • Frequently asked questions about debtthis link opens in a new window

    Answers questions such as 'my debts are getting out of control, what can I do?'.

    From: Adviceguide from Citizens Advice

  • Bailiffs (PDF)this link opens in a new window

    Information on when bailiffs can be used, on their powers to enter your house and take away goods, and on how to complain.

    From: Adviceguide from Citizens Advice

  • Bailiffs and council taxthis link opens in a new window

    Explains your rights if bailiffs come to your home to try and collect council tax arrears. It explains what you should do, what the bailiffs are allowed to do, and how to complain if a bailiff acts illegally.

    From: National Debtline

  • Full and final settlement offersthis link opens in a new window

    Explains what full and final settlement offers are and when they may be a useful way out of debt. Also contains a sample letter to help you write to your creditors.

    From: National Debtline

  • How to deal with Hire Purchase debtthis link opens in a new window

    Explains what Hire Purchase is, and what to do if you fall behind with payments on a Hire Purchase agreement. Explains your rights and the rights of your creditors.

    From: National Debtline

  • What if a creditor refuses my offer of payment?this link opens in a new window

    Information on tactics. Includes sample letters that you can use to write to creditors who have refused your offer of payment, or who have refused to freeze the interest on your account.

    From: National Debtline

  • Administration ordersthis link opens in a new window

    Explains what an administration order is, and its advantages. Covers how you apply, the process and what happens after you've made an application.

    From: National Debtline

  • Harassment by creditorsthis link opens in a new window

    It is against the law for creditors to harass the people who owe them money. Explains the law, and how to deal with harassment by your creditors.

    From: National Debtline

  • County court judgmentsthis link opens in a new window

    Information on how a county court judgment, including paying your judgment and how it may affect your credit status.

    From: HMCS- Her Majesty's Courts Service

  • How to deal with business debtthis link opens in a new window

    Outlines the types of debt you may have if you had a small business and have stopped trading or have been self-employed. Gives contacts for further advice.

    From: National Debtline

  • Links provided by Advicenow Advicenow is an independent, not-for-profit website providing information on rights and legal issues. Links provided by Advicenow are hand picked from over 200 UK web sites by experienced advisers

Our top picks

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Debt management tool

Use our debt management tool to get free, impartial debt advice.


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Dealing with debt

Your legal rights when you have debts, and the protection you have from people who are demanding money from you.


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What are the powers of bailiffs and debt collectors?

Your rights when dealing with bailiffs or debt collectors.


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Magistrates court fines

If the magistrates court convicts you of a criminal offence it may impose a fine, which is payable to the court. Use our advice tool to find out what to do next.

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