Stop Bailiff Action And Get Help With Debt Today!
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop bailiff and other creditor action
- Access mental well-being services
*An IVA may not be suitable in all circumstances. Fees may apply.
Your credit rating may be affected if you opt for a debt solution.
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Helping customers with Bailiff action
Worried About Bailiffs? You're Not Alone
Bailiff visits can feel overwhelming, especially if you weren’t expecting them or don’t know your rights. Whether you’ve had a warning letter or someone’s already come to your door, it’s important to know you still have options.
At PennyPlan, we help people facing the same situation every day. We’ll explain what bailiffs can and can’t do, what steps you can take to stop enforcement, and how to deal with the debt in a manageable way. No pressure. No judgment. Just calm, clear support to help you take back control.
What Happens If You Ignore Bailiff Letters or Visits?
If you don’t respond to bailiff contact, the situation can escalate quickly. You may face repeat visits, added enforcement fees, and the risk of belongings being taken to cover what you owe.
It’s important to know that bailiffs must follow strict rules, they can’t force entry for most types of debt on a first visit, and you still have legal rights. But the longer you leave it, the fewer options you may have.
Support like the government’s Breathing Space scheme could give you temporary legal protection from bailiff action while you explore a longer-term debt solution. We’ll help you understand if it’s right for you and what to do next.
We help with most debts
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Find out for FREE what debt help is available to you
Reasons to choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Bailiff Action: What You Can Do Now
If you’ve had contact from a bailiff or enforcement agent, acting early can help you avoid extra fees, further visits or the risk of losing belongings. In some cases, you may be able to speak with the creditor directly and arrange a repayment plan. However, this may not always be possible once enforcement has begun.
If the bailiff action is part of a wider debt issue, a formal debt solution could offer a more stable way forward. This might include a Debt Management Plan (DMP), an Individual Voluntary Arrangement (IVA) or a Debt Relief Order (DRO), depending on your financial circumstances.
Our advisors will explain each option clearly, help you weigh up what’s right for you, and support you in finding a long-term solution that fits your situation.
How A Bailiff Debt Repayment Plan Could Work
If you’re dealing with bailiffs, knowing your options can make a big difference. The right repayment plan can ease the pressure, stop things escalating and give you a clear way forward.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some debts potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Why PennyPlan
We believe on making information on debt solutions a more simple process.
Our aim is to empower you with the information you need to make the right financial choice for you and your family
Our Team will provide you with the knowledge you need on the debt help available to you for a debt free future
Do I Qualify
For an IVA?
Why PennyPlan
We believe on making information on debt solutions a more simple process.
Our aim is to empower you with the information you need to make the right financial choice for you and your family
Our Team will provide you with the knowledge you need on the debt help available to you for a debt free future
Do I Qualify
For an IVA?
Access a PennyPlan today
100% FREE ADVICE
Get information today on your available options
Get Bailiff Debt Help Today
If you’re feeling the pressure of bailiff contact, you’re not alone and you’re not out of options. Whether it’s letters, phone calls or a visit to your home, we’ll help you take back control before things go any further.
Our team will listen, explain what bailiffs can and can’t do, and guide you through the next steps based on your situation. You’ll get practical advice and a clear plan to move forward with confidence.
Start getting your finances back on track and speak to a member of our team today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can An IVA Stop Bailiffs?
Yes. If you’re facing bailiff action, an IVA can offer legal protection that stops visits, halts enforcement, and puts you back in control.
Once your IVA is approved, your creditors can no longer use bailiffs to chase the debt. Instead, your repayments are rolled into one affordable monthly plan based on what you can realistically manage.
We’ll help you understand if an IVA is right for you and support you through every step of the setup, so you can focus on moving forward without the fear of further enforcement.
Bailiff Debt FAQs
Bailiffs can only take certain items to cover what you owe. These usually include luxury goods or non-essential items that belong to you. They cannot take essentials like your cooker, fridge, clothes, or tools you need for work.
In most cases, no. Bailiffs are not allowed to force entry on a first visit for most types of debt, including council tax and credit cards. They must follow strict procedures and give notice before visiting.
You may be able to stop bailiff visits by contacting the creditor, paying the debt, or entering into a formal debt solution like an IVA. Acting early gives you more options and can prevent further fees or enforcement.
Yes. If you miss council tax payments and don’t make an arrangement with your local authority, they can pass the debt to enforcement agents. We can help you deal with council tax arrears and stop the situation from escalating.
Bailiffs (also called enforcement agents) have legal powers to enforce certain types of debt, including entering property and seizing goods. Debt collectors do not have these powers and must rely on communication to recover payment.
In some cases, yes. If you enter a formal debt solution like an IVA or DRO, a portion of your debt may be written off, and bailiff action can be stopped. We’ll talk you through what applies to your situation.
Direct Collection Bailiffs Ltd, or DCBL, is a UK-based enforcement agency best known from the TV show “Can’t Pay? We’ll Take It Away!” They act on behalf of creditors to recover debts and may carry out home visits if enforcement is approved. If you’ve been contacted by DCBL, we can help you understand your rights and stop the situation from escalating.
Yes. The government’s Breathing Space scheme gives you legal protection from bailiff enforcement for up to 60 days. During this time, interest and fees are frozen and no further action can be taken. You’ll need to work with a registered debt adviser to qualify. We can help you apply if it’s the right option for your situation.
Take the first steps to becoming Debt Free!
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
