Debt collection: what are my rights?

3 July 2008

If you have one or more unpaid debts and you have received more than one letter from your creditor demanding repayment, it’s likely that you will be contacted by a debt collection agency, who will aim to get the money back on behalf of your creditors.

Being caught up in the debt collection process is often distressing. If you can’t afford to repay your debts, the best course of action is to contact an expert debt adviser, who will be able to talk you through a range of options to see which one is most suitable for you.

But if it does get to the stage where debt collectors are calling, it’s important to know your rights to ensure you are fairly treated.

Debt management - can it stop the bailiffs visiting?

9 November 2009
If you are in several months` worth of arrears on your debt repayments, your lender could instruct a debt collector to collect the debt on their behalf. A debt collector will attempt to reclaim the debt for your lender - and if they are unsuccessful, they may eventually send bailiffs to your home. However, this process tends to take a fair amount of time, and bailiffs cannot be instructed until a County Court Judgment (CCJ) has been obtained and enforced. ... read more »