If you’re behind on payments or struggling with debt, you might be worried about whether debt collectors can come to your home. The idea of someone turning up unannounced can be stressful and intimidating, but understanding your rights can help you feel more in control.
In some situations, debt collectors can visit your home but their powers are limited, and they are not the same as bailiffs. This guide explains what debt collectors can and can’t do, and what your options are if you’re being chased for debt.
What is a Debt Collector?
A debt collector is someone acting on behalf of a creditor to try to recover money you owe. This could be:
- An employee of the original lender
- A debt collection agency that’s been hired
- A company that has bought the debt
Debt collectors are not bailiffs and they do not have the same legal powers.
Can a Debt Collector Come to Your Home?
Yes, a debt collector can ask to visit your home, but:
- You do not have to let them in
- You do not have to speak to them
- They cannot force entry
- They cannot take your belongings
A debt collector’s visit is essentially a request to talk about the debt and ask for payment or an arrangement. You are within your rights to tell them to leave.
What’s the Difference Between a Debt Collector and a Bailiff?
Debt collectors:
- Have no legal powers of entry
- Cannot seize goods
- Cannot force payment
- Must leave if you ask them to
- Are simply trying to negotiate payment
Bailiffs:
- Are appointed after court action
- Can take control of goods in certain situations
- Have specific legal powers
- Can charge enforcement fees
If someone turns up claiming to be a bailiff, you can ask to see identification and paperwork.
What Should You Do If a Debt Collector Visits You?
If a debt collector comes to your door:
- You can speak through the door or not engage at all
- You can ask them to leave
- You can request that all communication is done in writing
- You should not feel pressured into making payments you can’t afford
It’s often better to deal with debt issues in writing or with the help of a debt adviser.
Can Debt Collectors Keep Coming Back?
If you tell a debt collector not to visit you again and to communicate in writing, they should respect that request. Repeated visits or harassment could be considered unfair or inappropriate behaviour.
If you feel you’re being harassed, you can make a formal complaint to:
- The company they work for
- The creditor
- Or the relevant regulator
Can a Debt Collector Get a Court Order?
A debt collector themselves cannot take legal action, but the creditor can.
If a debt remains unpaid, the creditor may:
- Take you to court
- Apply for a County Court Judgment (CCJ)
- Then, if unpaid, apply for enforcement such as bailiffs or an attachment of earnings
This is why it’s important to deal with debts early, before they reach this stage.
How Can You Stop Debt Collectors Contacting You?
The best way to stop debt collectors contacting you is to deal with the debt properly. Options may include:
- Setting up an affordable repayment plan
- Entering a formal debt solution such as an IVA or Debt Relief Order
Once a formal solution like an IVA is in place, creditors and debt collectors must stop chasing you for included debts.
What If You Don’t Recognise the Debt?
If you don’t recognise the debt:
- Don’t make any payment
- Ask for proof of the debt in writing
- Check whether the debt might be old or unenforceable
Never feel pressured into paying something you’re not sure you owe.
Get in touch with My Debt Plan today for more information.
