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Debt questions answered

772 questions people ask about debt, each answered in plain English with a link to the full guide. Type a few words to find yours.

Written by The My Debt Cleared editorial teamLast reviewed 18 October 2026Editorial policy

Creditors and debt collectors · Bailiffs · Court action · Priority bills · Your home · Cards, loans and credit · Debt solutions · Your credit file · Scotland · Northern Ireland · Life events and help

QuestionTopic
Can a creditor take money from my bank account without a court order?Creditors and debt collectors
Can a creditor take my house?Creditors and debt collectors
Can a debt collector send bailiffs?Creditors and debt collectors
Can a debt collector take me to court?Creditors and debt collectors
Can a debt collector tell my family about my debt?Creditors and debt collectors
Can Advantis Credit send bailiffs?Creditors and debt collectors
Can Advantis Credit take me to court?Creditors and debt collectors
Can ARC (Europe) send bailiffs?Creditors and debt collectors
Can ARC (Europe) take me to court?Creditors and debt collectors
Can Ardent Credit Services send bailiffs?Creditors and debt collectors
Can Ardent Credit Services take me to court?Creditors and debt collectors
Can Arrow Global send bailiffs?Creditors and debt collectors
Can Arrow Global take me to court?Creditors and debt collectors
Can BPO Collections send bailiffs?Creditors and debt collectors
Can BPO Collections take me to court?Creditors and debt collectors
Can BW Legal take me to court?Creditors and debt collectors
Can Cabot Credit Management send bailiffs?Creditors and debt collectors
Can Cabot Credit Management take me to court?Creditors and debt collectors
Can Capital Resolve send bailiffs?Creditors and debt collectors
Can Capital Resolve take me to court?Creditors and debt collectors
Can Capquest send bailiffs?Creditors and debt collectors
Can Capquest take me to court?Creditors and debt collectors
Can CCS Collect send bailiffs?Creditors and debt collectors
Can CCS Collect take me to court?Creditors and debt collectors
Can Coeo UK send bailiffs?Creditors and debt collectors
Can Coeo UK take me to court?Creditors and debt collectors
Can Credit Style take me to court?Creditors and debt collectors
Can creditors contact my employer?Creditors and debt collectors
Can DCB Legal take me to court?Creditors and debt collectors
Can Debt Recovery Plus (DRP) send bailiffs?Creditors and debt collectors
Can Debt Recovery Plus (DRP) take me to court?Creditors and debt collectors
Can Drydens Lawyers take me to court?Creditors and debt collectors
Can EOS Solutions UK send bailiffs?Creditors and debt collectors
Can EOS Solutions UK take me to court?Creditors and debt collectors
Can Gladstones Solicitors take me to court?Creditors and debt collectors
Can Hoist Finance UK send bailiffs?Creditors and debt collectors
Can Hoist Finance UK take me to court?Creditors and debt collectors
Can I record a call with a debt collector?Creditors and debt collectors
Can I send a CCA request to a debt collector?Creditors and debt collectors
Can I tell a creditor to stop calling me?Creditors and debt collectors
Can Intrum UK send bailiffs?Creditors and debt collectors
Can Intrum UK take me to court?Creditors and debt collectors
Can Judge & Priestley take me to court?Creditors and debt collectors
Can Lantern Debt Recovery send bailiffs?Creditors and debt collectors
Can Lantern Debt Recovery take me to court?Creditors and debt collectors
Can Link Financial send bailiffs?Creditors and debt collectors
Can Link Financial take me to court?Creditors and debt collectors
Can Lowell send bailiffs?Creditors and debt collectors
Can Lowell take me to court?Creditors and debt collectors
Can Mackenzie Hall send bailiffs?Creditors and debt collectors
Can Mackenzie Hall take me to court?Creditors and debt collectors
Can Moorcroft send bailiffs?Creditors and debt collectors
Can Moorcroft take me to court?Creditors and debt collectors
Can Ophelos send bailiffs?Creditors and debt collectors
Can Ophelos take me to court?Creditors and debt collectors
Can Opos send bailiffs?Creditors and debt collectors
Can Opos take me to court?Creditors and debt collectors
Can Oriel Collections send bailiffs?Creditors and debt collectors
Can Oriel Collections take me to court?Creditors and debt collectors
Can Overdales Legal take me to court?Creditors and debt collectors
Can Past Due Credit Solutions (PDCS) send bailiffs?Creditors and debt collectors
Can Past Due Credit Solutions (PDCS) take me to court?Creditors and debt collectors
Can Perch Group send bailiffs?Creditors and debt collectors
Can Perch Group take me to court?Creditors and debt collectors
Can Phillips & Cohen Associates (UK) send bailiffs?Creditors and debt collectors
Can Phillips & Cohen Associates (UK) take me to court?Creditors and debt collectors
Can PRA Group send bailiffs?Creditors and debt collectors
Can PRA Group take me to court?Creditors and debt collectors
Can Resolvecall send bailiffs?Creditors and debt collectors
Can Resolvecall take me to court?Creditors and debt collectors
Can someone else deal with my creditors for me?Creditors and debt collectors
Can Sonex3 send bailiffs?Creditors and debt collectors
Can Sonex3 take me to court?Creditors and debt collectors
Can the council refuse my payment offer?Creditors and debt collectors
Can Wescot send bailiffs?Creditors and debt collectors
Can Wescot take me to court?Creditors and debt collectors
Can Zinc Group send bailiffs?Creditors and debt collectors
Can Zinc Group take me to court?Creditors and debt collectors
Can ZZPS send bailiffs?Creditors and debt collectors
Can ZZPS take me to court?Creditors and debt collectors
Do creditors have to accept a token payment?Creditors and debt collectors
Do creditors have to agree to hold action?Creditors and debt collectors
Do debt collectors have to be FCA authorised?Creditors and debt collectors
Do I have to pay Advantis Credit?Creditors and debt collectors
Do I have to pay ARC (Europe)?Creditors and debt collectors
Do I have to pay Ardent Credit Services?Creditors and debt collectors
Do I have to pay Arrow Global?Creditors and debt collectors
Do I have to pay BPO Collections?Creditors and debt collectors
Do I have to pay BW Legal?Creditors and debt collectors
Do I have to pay Cabot Credit Management?Creditors and debt collectors
Do I have to pay Capital Resolve?Creditors and debt collectors
Do I have to pay Capquest?Creditors and debt collectors
Do I have to pay CCS Collect?Creditors and debt collectors
Do I have to pay Coeo UK?Creditors and debt collectors
Do I have to pay Credit Style?Creditors and debt collectors
Do I have to pay DCB Legal?Creditors and debt collectors
Do I have to pay Debt Recovery Plus (DRP)?Creditors and debt collectors
Do I have to pay Drydens Lawyers?Creditors and debt collectors
Do I have to pay EOS Solutions UK?Creditors and debt collectors
Do I have to pay Gladstones Solicitors?Creditors and debt collectors
Do I have to pay Hoist Finance UK?Creditors and debt collectors
Do I have to pay Intrum UK?Creditors and debt collectors
Do I have to pay Judge & Priestley?Creditors and debt collectors
Do I have to pay Lantern Debt Recovery?Creditors and debt collectors
Do I have to pay Link Financial?Creditors and debt collectors
Do I have to pay Lowell?Creditors and debt collectors
Do I have to pay Mackenzie Hall?Creditors and debt collectors
Do I have to pay Moorcroft?Creditors and debt collectors
Do I have to pay Ophelos?Creditors and debt collectors
Do I have to pay Opos?Creditors and debt collectors
Do I have to pay Oriel Collections?Creditors and debt collectors
Do I have to pay Overdales Legal?Creditors and debt collectors
Do I have to pay Past Due Credit Solutions (PDCS)?Creditors and debt collectors
Do I have to pay Perch Group?Creditors and debt collectors
Do I have to pay Phillips & Cohen Associates (UK)?Creditors and debt collectors
Do I have to pay PRA Group?Creditors and debt collectors
Do I have to pay Resolvecall?Creditors and debt collectors
Do I have to pay Sonex3?Creditors and debt collectors
Do I have to pay Wescot?Creditors and debt collectors
Do I have to pay Zinc Group?Creditors and debt collectors
Do I have to pay ZZPS?Creditors and debt collectors
Do I have to talk to debt collectors on the phone?Creditors and debt collectors
Do I have to tell a creditor about my mental health?Creditors and debt collectors
Do lenders have to help if I'm struggling?Creditors and debt collectors
Do the letters work in Scotland and Northern Ireland?Creditors and debt collectors
Does a CCA request mean I do not have to pay?Creditors and debt collectors
Does a hold letter stop court action?Creditors and debt collectors
Does this letter work in Scotland?Creditors and debt collectors
How do I complain to 118 118 Money?Creditors and debt collectors
How do I complain to American Express UK?Creditors and debt collectors
How do I complain to Bank of Scotland?Creditors and debt collectors
How do I complain to Barclaycard?Creditors and debt collectors
How do I complain to Barclays?Creditors and debt collectors
How do I complain to Black Horse?Creditors and debt collectors
How do I complain to Capital One UK?Creditors and debt collectors
How do I complain to Clearpay?Creditors and debt collectors
How do I complain to Close Brothers Motor Finance?Creditors and debt collectors
How do I complain to first direct?Creditors and debt collectors
How do I complain to Freemans?Creditors and debt collectors
How do I complain to Grattan?Creditors and debt collectors
How do I complain to Halifax?Creditors and debt collectors
How do I complain to HSBC UK?Creditors and debt collectors
How do I complain to JD Williams (N Brown)?Creditors and debt collectors
How do I complain to Klarna?Creditors and debt collectors
How do I complain to Lending Stream?Creditors and debt collectors
How do I complain to Lloyds Bank?Creditors and debt collectors
How do I complain to MBNA?Creditors and debt collectors
How do I complain to Moneybarn?Creditors and debt collectors
How do I complain to Monzo?Creditors and debt collectors
How do I complain to Nationwide Building Society?Creditors and debt collectors
How do I complain to NatWest?Creditors and debt collectors
How do I complain to NewDay?Creditors and debt collectors
How do I complain to Oakbrook Finance?Creditors and debt collectors
How do I complain to PayPal Pay in 3?Creditors and debt collectors
How do I complain to Royal Bank of Scotland (RBS)?Creditors and debt collectors
How do I complain to Sainsbury's Bank?Creditors and debt collectors
How do I complain to Santander Consumer Finance?Creditors and debt collectors
How do I complain to Santander UK?Creditors and debt collectors
How do I complain to Starling Bank?Creditors and debt collectors
How do I complain to Studio?Creditors and debt collectors
How do I complain to Tesco Bank?Creditors and debt collectors
How do I complain to TSB?Creditors and debt collectors
How do I complain to Vanquis?Creditors and debt collectors
How do I complain to Very (The Very Group)?Creditors and debt collectors
How do I complain to Virgin Money?Creditors and debt collectors
How do I complain to Zopa?Creditors and debt collectors
How long do I have to respond to a County Court claim?Creditors and debt collectors
How long does it take for a debt to go to court?Creditors and debt collectors
How many calls from a creditor is harassment?Creditors and debt collectors
How much does a CCA request cost?Creditors and debt collectors
Is a letter from BW Legal a court claim?Creditors and debt collectors
Is a letter from Credit Style a court claim?Creditors and debt collectors
Is a letter from DCB Legal a court claim?Creditors and debt collectors
Is a letter from Drydens Lawyers a court claim?Creditors and debt collectors
Is a letter from Gladstones Solicitors a court claim?Creditors and debt collectors
Is a letter from Judge & Priestley a court claim?Creditors and debt collectors
Is a letter from Overdales Legal a court claim?Creditors and debt collectors
Is a statutory demand the same as bankruptcy?Creditors and debt collectors
Is Advantis Credit legit?Creditors and debt collectors
Is ARC (Europe) legit?Creditors and debt collectors
Is Ardent Credit Services legit?Creditors and debt collectors
Is Arrow Global legit?Creditors and debt collectors
Is BPO Collections legit?Creditors and debt collectors
Is BW Legal legit?Creditors and debt collectors
Is Cabot Credit Management legit?Creditors and debt collectors
Is Capital Resolve legit?Creditors and debt collectors
Is Capquest legit?Creditors and debt collectors
Is CCS Collect legit?Creditors and debt collectors
Is Coeo UK legit?Creditors and debt collectors
Is Credit Style legit?Creditors and debt collectors
Is DCB Legal legit?Creditors and debt collectors
Is Debt Recovery Plus (DRP) legit?Creditors and debt collectors
Is Drydens Lawyers legit?Creditors and debt collectors
Is EOS Solutions UK legit?Creditors and debt collectors
Is Gladstones Solicitors legit?Creditors and debt collectors
Is Hoist Finance UK legit?Creditors and debt collectors
Is Intrum UK legit?Creditors and debt collectors
Is Judge & Priestley legit?Creditors and debt collectors
Is Lantern Debt Recovery legit?Creditors and debt collectors
Is Link Financial legit?Creditors and debt collectors
Is Lowell legit?Creditors and debt collectors
Is Mackenzie Hall legit?Creditors and debt collectors
Is Moorcroft legit?Creditors and debt collectors
Is Ophelos legit?Creditors and debt collectors
Is Opos legit?Creditors and debt collectors
Is Oriel Collections legit?Creditors and debt collectors
Is Overdales Legal legit?Creditors and debt collectors
Is Past Due Credit Solutions (PDCS) legit?Creditors and debt collectors
Is Perch Group legit?Creditors and debt collectors
Is Phillips & Cohen Associates (UK) legit?Creditors and debt collectors
Is PRA Group legit?Creditors and debt collectors
Is Resolvecall legit?Creditors and debt collectors
Is Sonex3 legit?Creditors and debt collectors
Is Wescot legit?Creditors and debt collectors
Is Zinc Group legit?Creditors and debt collectors
Is ZZPS legit?Creditors and debt collectors
Is £1 a month really enough to offer?Creditors and debt collectors
Should I admit a debt on the phone?Creditors and debt collectors
Should I send a letter or get advice first?Creditors and debt collectors
What do I do if I can't pay my bank?Creditors and debt collectors
What happens if I can't pay 118 118 Money?Creditors and debt collectors
What happens if I can't pay American Express UK?Creditors and debt collectors
What happens if I can't pay Bank of Scotland?Creditors and debt collectors
What happens if I can't pay Barclaycard?Creditors and debt collectors
What happens if I can't pay Barclays?Creditors and debt collectors
What happens if I can't pay Black Horse?Creditors and debt collectors
What happens if I can't pay Capital One UK?Creditors and debt collectors
What happens if I can't pay Clearpay?Creditors and debt collectors
What happens if I can't pay Close Brothers Motor Finance?Creditors and debt collectors
What happens if I can't pay first direct?Creditors and debt collectors
What happens if I can't pay Freemans?Creditors and debt collectors
What happens if I can't pay Grattan?Creditors and debt collectors
What happens if I can't pay Halifax?Creditors and debt collectors
What happens if I can't pay HSBC UK?Creditors and debt collectors
What happens if I can't pay JD Williams (N Brown)?Creditors and debt collectors
What happens if I can't pay Klarna?Creditors and debt collectors
What happens if I can't pay Lending Stream?Creditors and debt collectors
What happens if I can't pay Lloyds Bank?Creditors and debt collectors
What happens if I can't pay MBNA?Creditors and debt collectors
What happens if I can't pay Moneybarn?Creditors and debt collectors
What happens if I can't pay Monzo?Creditors and debt collectors
What happens if I can't pay Nationwide Building Society?Creditors and debt collectors
What happens if I can't pay NatWest?Creditors and debt collectors
What happens if I can't pay NewDay?Creditors and debt collectors
What happens if I can't pay Oakbrook Finance?Creditors and debt collectors
What happens if I can't pay PayPal Pay in 3?Creditors and debt collectors
What happens if I can't pay Royal Bank of Scotland (RBS)?Creditors and debt collectors
What happens if I can't pay Sainsbury's Bank?Creditors and debt collectors
What happens if I can't pay Santander Consumer Finance?Creditors and debt collectors
What happens if I can't pay Santander UK?Creditors and debt collectors
What happens if I can't pay Starling Bank?Creditors and debt collectors
What happens if I can't pay Studio?Creditors and debt collectors
What happens if I can't pay Tesco Bank?Creditors and debt collectors
What happens if I can't pay TSB?Creditors and debt collectors
What happens if I can't pay Vanquis?Creditors and debt collectors
What happens if I can't pay Very (The Very Group)?Creditors and debt collectors
What happens if I can't pay Virgin Money?Creditors and debt collectors
What happens if I can't pay Zopa?Creditors and debt collectors
What happens if I just ignore the letters?Creditors and debt collectors
What happens to what I type into the Letter Builder?Creditors and debt collectors
What is the difference between a default notice and a CCJ?Creditors and debt collectors
What will a creditor do with the information?Creditors and debt collectors
Who do I complain to about a lender?Creditors and debt collectors
Who is chasing me for a debt?Creditors and debt collectors
Will 118 118 Money freeze interest?Creditors and debt collectors
Will American Express UK freeze interest?Creditors and debt collectors
Will Bank of Scotland freeze interest?Creditors and debt collectors
Will Barclaycard freeze interest?Creditors and debt collectors
Will Barclays freeze interest?Creditors and debt collectors
Will Black Horse freeze interest?Creditors and debt collectors
Will Capital One UK freeze interest?Creditors and debt collectors
Will Clearpay freeze interest?Creditors and debt collectors
Will Close Brothers Motor Finance freeze interest?Creditors and debt collectors
Will first direct freeze interest?Creditors and debt collectors
Will Freemans freeze interest?Creditors and debt collectors
Will Grattan freeze interest?Creditors and debt collectors
Will Halifax freeze interest?Creditors and debt collectors
Will HSBC UK freeze interest?Creditors and debt collectors
Will interest keep adding up during a hold?Creditors and debt collectors
Will JD Williams (N Brown) freeze interest?Creditors and debt collectors
Will Klarna freeze interest?Creditors and debt collectors
Will Lending Stream freeze interest?Creditors and debt collectors
Will Lloyds Bank freeze interest?Creditors and debt collectors
Will MBNA freeze interest?Creditors and debt collectors
Will Moneybarn freeze interest?Creditors and debt collectors
Will Monzo freeze interest?Creditors and debt collectors
Will Nationwide Building Society freeze interest?Creditors and debt collectors
Will NatWest freeze interest?Creditors and debt collectors
Will NewDay freeze interest?Creditors and debt collectors
Will Oakbrook Finance freeze interest?Creditors and debt collectors
Will PayPal Pay in 3 freeze interest?Creditors and debt collectors
Will Royal Bank of Scotland (RBS) freeze interest?Creditors and debt collectors
Will Sainsbury's Bank freeze interest?Creditors and debt collectors
Will Santander Consumer Finance freeze interest?Creditors and debt collectors
Will Santander UK freeze interest?Creditors and debt collectors
Will sending one of these letters stop a creditor contacting me?Creditors and debt collectors
Will Starling Bank freeze interest?Creditors and debt collectors
Will Studio freeze interest?Creditors and debt collectors
Will Tesco Bank freeze interest?Creditors and debt collectors
Will the council stop the summons if I write?Creditors and debt collectors
Will token payments stop a default?Creditors and debt collectors
Will TSB freeze interest?Creditors and debt collectors
Will Vanquis freeze interest?Creditors and debt collectors
Will Very (The Very Group) freeze interest?Creditors and debt collectors
Will Virgin Money freeze interest?Creditors and debt collectors
Will Zopa freeze interest?Creditors and debt collectors
Are bailiffs regulated?Bailiffs
Are HMRC debt collectors the same as bailiffs?Bailiffs
Can an eviction by bailiffs be delayed?Bailiffs
Can bailiffs break in?Bailiffs
Can bailiffs charge a visit fee if they never came?Bailiffs
Can bailiffs come at night?Bailiffs
Can bailiffs come in if I'm not home?Bailiffs
Can bailiffs force entry for council tax?Bailiffs
Can bailiffs take a car on finance?Bailiffs
Can bailiffs take my car if it's on finance?Bailiffs
Can bailiffs take my laptop?Bailiffs
Can bailiffs take my partner's things?Bailiffs
Can bailiffs take my work van?Bailiffs
Can Bristow & Sutor force entry?Bailiffs
Can CDER Group force entry?Bailiffs
Can Court Enforcement Services force entry?Bailiffs
Can DCBL force entry?Bailiffs
Can Dukes force entry?Bailiffs
Can Equita force entry?Bailiffs
Can Excel Civil Enforcement force entry?Bailiffs
Can Hambury Tilmond force entry?Bailiffs
Can HCE Group force entry?Bailiffs
Can HMRC bailiffs force entry?Bailiffs
Can I complain to the council about its bailiffs?Bailiffs
Can I sell goods listed on a controlled goods agreement?Bailiffs
Can I stop bailiffs coming?Bailiffs
Can Jacobs Enforcement force entry?Bailiffs
Can JBW Group bailiffs force entry?Bailiffs
Can JTR Collections force entry?Bailiffs
Can Marston force entry?Bailiffs
Can my landlord evict me without bailiffs?Bailiffs
Can Newlyn force entry?Bailiffs
Can Penham Excel force entry?Bailiffs
Can Phoenix Commercial Collections bailiffs force entry?Bailiffs
Can Ross & Roberts force entry?Bailiffs
Can Rossendales force entry?Bailiffs
Can Rundles force entry?Bailiffs
Can Stanford & Green force entry?Bailiffs
Can Swift Credit Services bailiffs force entry?Bailiffs
Can The Sheriffs Office force entry?Bailiffs
Can Wilson & Roe force entry?Bailiffs
Do HMRC bailiffs need a court order?Bailiffs
Do I have to let a bailiff in?Bailiffs
Do I have to sign a controlled goods agreement?Bailiffs
Does VAT get added to bailiff fees?Bailiffs
How do I complain about Bristow & Sutor?Bailiffs
How do I complain about CDER Group?Bailiffs
How do I complain about Court Enforcement Services?Bailiffs
How do I complain about DCBL?Bailiffs
How do I complain about Dukes?Bailiffs
How do I complain about Equita?Bailiffs
How do I complain about Excel Civil Enforcement?Bailiffs
How do I complain about Hambury Tilmond?Bailiffs
How do I complain about HCE Group?Bailiffs
How do I complain about Jacobs Enforcement?Bailiffs
How do I complain about JTR Collections?Bailiffs
How do I complain about Marston?Bailiffs
How do I complain about Newlyn?Bailiffs
How do I complain about Penham Excel?Bailiffs
How do I complain about Ross & Roberts?Bailiffs
How do I complain about Rossendales?Bailiffs
How do I complain about Rundles?Bailiffs
How do I complain about Stanford & Green?Bailiffs
How do I complain about The Sheriffs Office?Bailiffs
How do I complain about Wilson & Roe?Bailiffs
How much can bailiffs charge in 2026?Bailiffs
How much can Bristow & Sutor charge?Bailiffs
How much can CDER Group charge?Bailiffs
How much can Court Enforcement Services charge?Bailiffs
How much can DCBL charge?Bailiffs
How much can Dukes charge?Bailiffs
How much can Equita charge?Bailiffs
How much can Excel Civil Enforcement charge?Bailiffs
How much can Hambury Tilmond charge?Bailiffs
How much can HCE Group charge?Bailiffs
How much can Jacobs Enforcement charge?Bailiffs
How much can JTR Collections charge?Bailiffs
How much can Marston charge?Bailiffs
How much can Newlyn charge?Bailiffs
How much can Penham Excel charge?Bailiffs
How much can Ross & Roberts charge?Bailiffs
How much can Rossendales charge?Bailiffs
How much can Rundles charge?Bailiffs
How much can Stanford & Green charge?Bailiffs
How much can The Sheriffs Office charge?Bailiffs
How much can Wilson & Roe charge?Bailiffs
How much notice do bailiffs give before an eviction?Bailiffs
Is Bristow & Sutor legit?Bailiffs
Is CDER Group legit?Bailiffs
Is Court Enforcement Services legit?Bailiffs
Is DCBL legit?Bailiffs
Is Dukes legit?Bailiffs
Is Equita legit?Bailiffs
Is Excel Civil Enforcement legit?Bailiffs
Is Hambury Tilmond legit?Bailiffs
Is HCE Group legit?Bailiffs
Is it free to complain about a bailiff?Bailiffs
Is Jacobs Enforcement legit?Bailiffs
Is JTR Collections legit?Bailiffs
Is Marston legit?Bailiffs
Is Newlyn legit?Bailiffs
Is Penham Excel legit?Bailiffs
Is Ross & Roberts legit?Bailiffs
Is Rossendales legit?Bailiffs
Is Rundles legit?Bailiffs
Is Stanford & Green legit?Bailiffs
Is The Sheriffs Office legit?Bailiffs
Is Wilson & Roe legit?Bailiffs
What if the bailiff listed things that are not mine?Bailiffs
What is form EAC2?Bailiffs
When can bailiffs use force?Bailiffs
Who are the bailiffs chasing me?Bailiffs
Who now handles JBW Group cases?Bailiffs
Who now handles Phoenix Commercial Collections cases?Bailiffs
Who now handles Swift Credit Services cases?Bailiffs
Can a credit card company put a charge on my house?Court action
Can bailiffs come if I am paying my CCJ?Court action
Can court fines go in a Debt Relief Order?Court action
Can I be made bankrupt for less than £5,000?Court action
Can I get a CCJ removed?Court action
Can I get a CCJ set aside if I never received the claim?Court action
Can I go to prison for not paying a CCJ?Court action
Can I object to a charging order?Court action
Can I pay a magistrates' court fine in instalments?Court action
Can I stop paying while my application is decided?Court action
Can the creditor go to court if I reply?Court action
Can you go to prison for not paying a court fine?Court action
Does a CCJ ever go away if I do not pay?Court action
How long do I have to reply to a letter before claim?Court action
How long do I have to respond to a statutory demand?Court action
How much does it cost to set aside a CCJ?Court action
Is a CCJ set aside the same as paying it off?Court action
Is a statutory demand the same as a court claim?Court action
Is there a fee to change CCJ payments?Court action
What if I need more time to get debt advice?Court action
What if the creditor refuses my offer?Court action
Will a charging order mean I lose my home?Court action
Will bailiffs come straight away if I miss a CCJ payment?Court action
Am I liable for my ex-partner's council tax?Priority bills
Can a benefit overpayment be included in a DRO?Priority bills
Can a smart meter be switched off remotely for debt?Priority bills
Can bailiffs collect a parking fine?Priority bills
Can child maintenance arrears be written off?Priority bills
Can council tax arrears go into an IVA or DRO?Priority bills
Can council tax be taken from Universal Credit?Priority bills
Can DWP take money from my bank account?Priority bills
Can DWP take money from my wages for an overpayment?Priority bills
Can energy arrears be added to a prepayment meter?Priority bills
Can HMRC debt be included in an IVA?Priority bills
Can HMRC take money from my bank account?Priority bills
Can HMRC take money from my wages?Priority bills
Can I ask for council tax to be taken from my benefits instead of bailiffs?Priority bills
Can I get a prepayment meter removed?Priority bills
Can I get my energy debt written off?Priority bills
Can I go bankrupt over a tax debt?Priority bills
Can I go to prison for council tax arrears?Priority bills
Can I lose my driving licence for child maintenance arrears?Priority bills
Can I make an arrangement with council tax bailiffs?Priority bills
Can I negotiate a payment plan after a liability order?Priority bills
Can I pause my Universal Credit advance repayments?Priority bills
Can I pay my Self Assessment through my tax code?Priority bills
Can I set up a council tax payment plan after a liability order?Priority bills
Can I set up an HMRC payment plan online?Priority bills
Can I stop a council tax attachment of earnings?Priority bills
Can my electricity be cut off in winter?Priority bills
Can my energy be cut off in winter?Priority bills
Can my supplier force a prepayment meter on me?Priority bills
Can my water be cut off?Priority bills
Can the CMS take money from my bank account?Priority bills
Can you go to prison for not having a TV licence?Priority bills
Do energy arrears go into an IVA?Priority bills
Do I have to be a British Gas customer to get help from the British Gas Energy Trust?Priority bills
Do I have to let a TV licence officer in?Priority bills
Do I have to pay a private parking charge?Priority bills
Does Breathing Space stop council tax deductions from Universal Credit?Priority bills
Does my energy supplier have to accept my offer?Priority bills
Does the council need to go to court for an attachment of earnings?Priority bills
How do I check what benefits I can get?Priority bills
How do I dispute a council tax bill that isn't mine?Priority bills
How long do I have to repay a Universal Credit advance?Priority bills
How much can the council take from my wages for council tax?Priority bills
How much will HMRC want each month?Priority bills
How quickly must I be reconnected?Priority bills
Is Council Tax Reduction a benefit?Priority bills
Is the Warm Home Discount automatic?Priority bills
Is there interest on a Time to Pay arrangement?Priority bills
Should I file my tax return if I can't pay?Priority bills
What happens if I miss the 31 January payment deadline?Priority bills
What if I cannot afford to top up?Priority bills
What if I never received the parking fine letters?Priority bills
What is Fuel Direct?Priority bills
What is the deadline to appeal to the Valuation Tribunal?Priority bills
What is the maximum that can be deducted from Universal Credit?Priority bills
What is the TV licence Simple Payment Plan?Priority bills
What will the council accept as a payment arrangement?Priority bills
Where can I get emergency help with bills?Priority bills
Will HMRC make me bankrupt?Priority bills
Can a mortgage shortfall go into an IVA or DRO?Your home
Can a possession order be changed?Your home
Can I get free legal help at the hearing?Your home
Can I offer a reduced settlement on a mortgage shortfall?Your home
Can I stay in my home after a possession order?Your home
Can I switch to interest-only to lower my payments?Your home
Can my landlord refuse a repayment plan?Your home
Can my lender repossess without going to court?Your home
Can rent arrears be included in an IVA?Your home
Can Universal Credit pay my landlord directly?Your home
How long can a lender chase a mortgage shortfall?Your home
How long does mortgage repossession take?Your home
How much do I have to pay towards mortgage arrears?Your home
How much should I offer to pay off rent arrears?Your home
Should I just hand the keys back?Your home
Should I stop paying my credit cards to cover rent?Your home
Should I use an IVA to deal with mortgage arrears?Your home
What happens if I miss a payment under a suspended order?Your home
What happens if I miss my repossession hearing?Your home
What is a suspended possession order?Your home
Are logbook loans still legal?Cards, loans and credit
Can a catalogue company take me to court?Cards, loans and credit
Can a guarantor complain about a guarantor loan?Cards, loans and credit
Can a logbook lender take my car without going to court?Cards, loans and credit
Can buy now pay later take me to court?Cards, loans and credit
Can credit card debt be written off?Cards, loans and credit
Can I ask a home credit agent not to visit?Cards, loans and credit
Can I be taken to court for mobile phone debt?Cards, loans and credit
Can I complain about a home credit loan?Cards, loans and credit
Can I complain about a payday loan?Cards, loans and credit
Can I get a refund of student loan repayments?Cards, loans and credit
Can I hand back a PCP car if I am in arrears?Cards, loans and credit
Can I prevent my car being sold after it is taken?Cards, loans and credit
Can I settle a personal loan for less than the balance?Cards, loans and credit
Can I stop a payday lender taking money from my account?Cards, loans and credit
Can I use voluntary termination if I am in arrears?Cards, loans and credit
Can I voluntarily terminate a PCP?Cards, loans and credit
Can my bank take my wages to clear an overdraft?Cards, loans and credit
Can my broadband be cut off for not paying?Cards, loans and credit
Can my car be taken without a court order?Cards, loans and credit
Can my card provider stop me using the card?Cards, loans and credit
Can student loans be written off in bankruptcy?Cards, loans and credit
Can they take my car if I've paid more than a third?Cards, loans and credit
Do catalogue debts get sold to collectors?Cards, loans and credit
Do I have to pay back a loan shark?Cards, loans and credit
Do I owe money if the pawnbroker sells my item?Cards, loans and credit
Do I still owe money after my car is repossessed?Cards, loans and credit
Do the rules apply to store cards and overdrafts?Cards, loans and credit
Does bankruptcy or a DRO release my guarantor?Cards, loans and credit
How do I report a loan shark?Cards, loans and credit
How long does a pawnbroker keep your items?Cards, loans and credit
How much can a payday loan cost?Cards, loans and credit
Is a doorstep loan a priority debt?Cards, loans and credit
Is a mobile phone bill a priority debt?Cards, loans and credit
Is buy now pay later regulated?Cards, loans and credit
Is catalogue debt a priority debt?Cards, loans and credit
Is persistent debt the same as being in arrears?Cards, loans and credit
Is voluntary surrender the same as voluntary termination?Cards, loans and credit
Should I cut up my credit cards?Cards, loans and credit
Should I keep paying my credit card if I can't afford my rent?Cards, loans and credit
Should I pause payments while a car finance commission complaint is ongoing?Cards, loans and credit
What happens if I can't pay Klarna or Clearpay?Cards, loans and credit
What happens if I cannot pay the PCP balloon payment?Cards, loans and credit
What if I cannot afford to pay more?Cards, loans and credit
What if they take my car without a court order after I have paid a third?Cards, loans and credit
What is the fastest way to get out of credit card debt?Cards, loans and credit
Will a pawnbroker tell me before selling my item?Cards, loans and credit
Will I get in trouble for borrowing from a loan shark?Cards, loans and credit
Will I owe money after a voluntary surrender?Cards, loans and credit
Will my card be closed if I ask for help?Cards, loans and credit
Are debts from fraud written off in a DRO?Debt solutions
Are free DMPs as good as paid ones?Debt solutions
Are HMRC debts covered by Breathing Space?Debt solutions
Are IVA fees paid on top of the monthly payment?Debt solutions
Can a creditor cancel my Breathing Space?Debt solutions
Can a free adviser set up a trust deed?Debt solutions
Can a settled debt be chased again?Debt solutions
Can bailiffs come during Breathing Space?Debt solutions
Can council tax arrears go in a DRO?Debt solutions
Can creditors add interest again if I miss a payment?Debt solutions
Can creditors contact me during Breathing Space?Debt solutions
Can creditors still contact me after a DRO?Debt solutions
Can I apply for a DRO myself?Debt solutions
Can I apply for a DRO online myself?Debt solutions
Can I apply for bankruptcy without going to court?Debt solutions
Can I apply for Breathing Space myself?Debt solutions
Can I be a company director after bankruptcy?Debt solutions
Can I be a company director if I'm bankrupt?Debt solutions
Can I be a company director with a DRO?Debt solutions
Can I be charged upfront for IVA advice?Debt solutions
Can I borrow money during a DRO?Debt solutions
Can I cancel a DMP?Debt solutions
Can I change my mind after the vote?Debt solutions
Can I extend Breathing Space?Debt solutions
Can I get a mortgage after an IVA?Debt solutions
Can I get an IVA on benefits?Debt solutions
Can I get credit during DAS?Debt solutions
Can I get one more than once?Debt solutions
Can I include my council tax arrears?Debt solutions
Can I keep my car if I go bankrupt?Debt solutions
Can I move my DMP to a free provider?Debt solutions
Can I pay extra instead of releasing equity?Debt solutions
Can I pay off a DMP early?Debt solutions
Can I restart a failed IVA?Debt solutions
Can I switch from DAS to a trust deed?Debt solutions
Can I use my pension to settle debts?Debt solutions
Can my creditors refuse an IVA?Debt solutions
Can my GP give evidence for Mental Health Crisis Breathing Space?Debt solutions
Can my partner be forced to sell?Debt solutions
Can student loans go in a DRO?Debt solutions
Do I have to pay back the interest after Breathing Space?Debt solutions
Do I have to report a pay rise during a DRO?Debt solutions
Do I have to talk to a debt adviser during it?Debt solutions
Do I keep paying my mortgage in a trust deed?Debt solutions
Do I pay fees for DAS?Debt solutions
Do I pay upfront for a trust deed?Debt solutions
Do I still pay an IPA after discharge?Debt solutions
Do I still pay my mortgage if I am bankrupt?Debt solutions
Does a Debt Management Plan write off debt?Debt solutions
Does a DMP affect my home?Debt solutions
Does Breathing Space cover council tax?Debt solutions
Does Breathing Space cover my mortgage?Debt solutions
Does DAS affect my home?Debt solutions
Does DAS freeze interest?Debt solutions
Does this tool tell me if I qualify?Debt solutions
How do I get one?Debt solutions
How do I know if a DMP company is legitimate?Debt solutions
How long can a DMP last?Debt solutions
How long do bankruptcy income payments last?Debt solutions
How long do bankruptcy restrictions last?Debt solutions
How long do DRO restrictions last?Debt solutions
How long does a bankruptcy application take?Debt solutions
How long does a Protected Trust Deed last?Debt solutions
How long does an IVA last?Debt solutions
How long does it take to get Breathing Space?Debt solutions
How long does Mental Health Crisis Breathing Space last?Debt solutions
How much can I borrow while bankrupt?Debt solutions
How much does a DRO cost?Debt solutions
How much does a trust deed cost?Debt solutions
How much does it cost to go bankrupt?Debt solutions
Is a DMP on a public register?Debt solutions
Is a DRO public?Debt solutions
Is a Trust Deed the same as an IVA?Debt solutions
Is DAS or a trust deed better?Debt solutions
Is it an offence not to report a change?Debt solutions
Is there a free alternative to a trust deed?Debt solutions
Is there a government debt relief programme in the UK?Debt solutions
Is there a government scheme that writes off debt?Debt solutions
Is there a maximum length for a DMP?Debt solutions
Is there a minimum debt for an IVA?Debt solutions
Is there a value limit for keeping a car in bankruptcy?Debt solutions
Is £680 really unavoidable?Debt solutions
Should I borrow to make a full and final settlement?Debt solutions
Should I ever pay for a Debt Management Plan?Debt solutions
Should I make a full and final settlement offer by phone?Debt solutions
What are the limits for a Debt Relief Order?Debt solutions
What does it actually stop?Debt solutions
What happens if I ask for a review?Debt solutions
What happens if I inherit money during a DRO?Debt solutions
What happens if I miss a payment?Debt solutions
What happens to a car on finance in bankruptcy?Debt solutions
What happens to my home if I own one?Debt solutions
What happens to the fees if my IVA fails?Debt solutions
What happens when the DRO ends?Debt solutions
What if I can't afford my DMP any more?Debt solutions
What if I have not sorted my debts when it ends?Debt solutions
What if I want to move house during an IVA?Debt solutions
What if my circumstances improve during the 12 months?Debt solutions
What if my Trust Deed does not become protected?Debt solutions
What is Breathing Space?Debt solutions
What is the biggest downside of a DMP?Debt solutions
What is the main downside of a trust deed?Debt solutions
What is the main downside of DAS?Debt solutions
What is the three-year rule in bankruptcy?Debt solutions
Which costs more, DAS or a trust deed?Debt solutions
Which debt solution is best?Debt solutions
Which debt solutions write off debt in the UK?Debt solutions
Which debts can't go in a DRO?Debt solutions
Which debts do not count towards the £50,000?Debt solutions
Who can set up a DAS?Debt solutions
Who decides whether I get a DRO?Debt solutions
Why do adverts call an IVA a government scheme?Debt solutions
Why does this IVA calculator not show a write-off percentage?Debt solutions
Will a lump sum affect my benefits?Debt solutions
Will creditors freeze the interest?Debt solutions
Will I have to pay if I'm on benefits?Debt solutions
Will I lose my home with a trust deed?Debt solutions
Will I lose my home?Debt solutions
Will I lose my house if I go bankrupt?Debt solutions
Will my employer find out?Debt solutions
Will my employer see it?Debt solutions
Will one missed DMP payment cancel my plan?Debt solutions
Do defaults drop off my credit file before the DMP ends?Your credit file
Do student loans affect my credit score?Your credit file
Does a DMP show on my credit file?Your credit file
Does BNPL show on my credit file?Your credit file
Does Breathing Space affect my credit file?Your credit file
Does the six years on my credit file run from the start or the end?Your credit file
Does voluntary surrender affect my credit file?Your credit file
Does voluntary termination affect my credit score?Your credit file
How long does a CCJ stay on my credit file?Your credit file
How long does a DMP stay on my credit file?Your credit file
Is checking my credit report bad for my credit score?Your credit file
Will a guarantor loan affect my guarantor's credit file?Your credit file
Will a mortgage arrangement affect my credit score?Your credit file
Am I personally liable for my business debts?Life events and help
Am I responsible for my ex's debts?Life events and help
Are the checklists free?Life events and help
Can a statute-barred debt still be collected?Life events and help
Can coerced debt be written off?Life events and help
Can creditors chase family members for a dead person's debt?Life events and help
Can I ask my credit card company to freeze interest?Life events and help
Can I come back and update my plan?Life events and help
Can I get help with my mortgage if I'm made redundant?Life events and help
Can I get my debt written off for free?Life events and help
Can I go to prison for not paying a credit card?Life events and help
Can I keep trading in an IVA?Life events and help
Can I pay HMRC in instalments?Life events and help
Can I pay my family back before going bankrupt?Life events and help
Can I print just one checklist?Life events and help
Can I remove my ex from a joint debt?Life events and help
Can I share my debt file with an adviser?Life events and help
Can my debts really be written off?Life events and help
Do creditors have to accept a pro rata offer?Life events and help
Do debts get written off after 6 years?Life events and help
Do I have to include family debts in a DRO or IVA?Life events and help
Do I have to pay my late partner's credit card?Life events and help
Do I have to tell a creditor I am recording calls?Life events and help
Do I have to tell my creditors about my mental health?Life events and help
Do I inherit my parents' debt?Life events and help
Do the checklists apply in Scotland?Life events and help
Does using this site cost anything?Life events and help
How do I break the financial link with my ex?Life events and help
How do I find out what debts I have?Life events and help
How do I find out who owns my debt?Life events and help
How do I work out a pro rata payment?Life events and help
How long before a debt goes to court?Life events and help
How long do I have to respond to a court claim for debt?Life events and help
How long does it take to pay off a credit card with minimum payments?Life events and help
How long does it take to pay off £5,000 on minimum payments?Life events and help
How many calls from a debt collector is too many?Life events and help
How many years before a debt is statute-barred?Life events and help
Is a credit card a priority debt?Life events and help
Is it better to pay off the highest interest or smallest debt first?Life events and help
Is money borrowed from family legally binding?Life events and help
Is My Debt Cleared a debt advice company?Life events and help
Is my information sent anywhere?Life events and help
Is the contact log private?Life events and help
Is the Debt Action Plan debt advice?Life events and help
Is the planner private?Life events and help
Is there a government scheme to write off debt?Life events and help
Is water a priority debt?Life events and help
Should I use my redundancy pay to clear debts?Life events and help
What happens if I clear my browser?Life events and help
What happens if I just stop paying my credit card?Life events and help
What happens if I miss a debt deadline?Life events and help
What if I live in Scotland or Northern Ireland?Life events and help
What is a debt action plan?Life events and help
What is coerced debt?Life events and help
What is Mental Health Crisis Breathing Space?Life events and help
What is the Debt and Mental Health Evidence Form?Life events and help
What is the quickest fix?Life events and help
What should I pay first after redundancy?Life events and help
Where is my debt file stored?Life events and help
Which debts should I pay first?Life events and help
Who can help with economic abuse?Life events and help
Why do minimum payments take so long?Life events and help
Will paying £1 restart a statute-barred debt?Life events and help
Will you tell me whether I qualify for an IVA?Life events and help

Still stuck? Check a letter you have received, browse all debt help, or look up a term in the glossary.

Common questions

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Is the information free?

Yes. Every guide, tool and letter on My Debt Cleared is free to use.

Do the answers apply where I live?

Each guide says at the top whether it applies to England and Wales, Scotland or Northern Ireland, because debt law differs.

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