A knock from an enforcement agent is stressful. Staying calm and knowing your rights helps you stay in control. This guide covers civil debts such as council tax and CCJs in England and Wales.
The short answer
- For most debts, you don’t have to let them in. Keep doors and windows locked.
- Ask for their ID or certificate, the creditor, and the amount owed.
- Bailiffs can only visit between 6am and 9pm.
- They must have sent a notice of enforcement at least seven clear days before.
- Exceptions apply for magistrates’ court fines and some HMRC debts.
What should I say?
Speak through the door or a window, or by phone. Ask for their name, enforcement firm, certificate number and the debt details. Explain your situation and offer what you can afford. Keep a note of what’s said, and record the conversation if you can.
Can they force their way in?
Not on a first visit to your home for most debts. They can enter peacefully through an unlocked door. Forced entry is only allowed in limited situations, such as for some criminal fines or if you’ve broken a controlled goods agreement. See can bailiffs force entry?
What if they take control of my car?
They can clamp a car you own outright. See can bailiffs take my car?
What if I'm vulnerable?
Tell them, and tell the enforcement firm in writing. Agents must take extra care with vulnerable people, and should consider returning the case to the creditor. See bailiffs and your mental health.
Common questions
Do I have to open the door to a bailiff?
No, not for most debts. You can talk through a closed door or window.
Can a bailiff come back if I don't answer?
Yes. They can make further visits, which can add fees. Contacting the firm to agree a plan is usually better.
Can bailiffs take my belongings if I let them in?
Once inside, they can take control of goods you own that aren’t exempt. See what can bailiffs take?
Getting help
You don’t have to deal with debt on your own. Free, impartial advice is available from MoneyHelper, StepChange and National Debtline. If you want to talk through whether a formal solution such as an IVA could be suitable, you can also get in touch with us.