question category: Bailiffs

can i still make an arrangment to clear a debt when bailiffs are calling to my property,


hi i have a ccj and today a bailiff has called when i was out, can i still come to some arrangement as i would like to clear the debt, have been through a very bad time financially and i am currently spending most of my money on arrears for electricty water and council tax, however in a few more months i will be able to move on to other debts. i have been ignoring all my mail due to fear which obviously is not the right thing to do.I do want to clear my debts and am unable to lend any money from anywhere.

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Re: can i still make an arrangment to clear a debt when ...

Yes you can. The first thing to do is to be sure it is a bailiff that is collecting the debt, not just a debt collector. Debt collectors are more easily dealt with.

Even Bailiffs would prefer to collect the money rather than seize your goods, however they are a law unto themselves and are sometimes very demanding.

If the bailiff gets into your house, (or you have a car parked on your drive) your possessions will usually be listed on a "walking possession". This gives the bailiff security over the goods and they will often use that to back up any arrangement they make with you. At any time they can return to collect the goods. You will also incur further costs.

If you are unable to make an arrangement with the bailiff you need to contact the court that issued the judgement and talk to the court staff about suspending the warrant the bailiff is collecting on.

You can then ask the court for an instalment order.

Here is the goverment leaflet "I cannot pay my county court judgment."

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex326_0405.pdf

If you don't know how to find your county court or you have other questions about debt or bailiffs, your local CAB should be able to help. Otherwise you can click on my name and contact Debt Advice Foundation

 

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