Once you have a CCJ awarded against you there are more serious implications than with other debts. Bailiffs are just one method a creditor can use to enforce a CCJ.

The main consequence of bailiff action is the addition of large costs to the debt. Every time the bailiff calls, there are fees and costs added to the debt.
It is possible to keep a bailiff out of your home but they will not go away. If they do gain entry to your home they will seize goods to the value of the debt plus their costs, for sale at auction.

The creditors have other options they can follow. If they decide to take an attachment of earnings order against you they will contact your employer and demand payment directly from your wages. If you are a homeowner they can secure the debt on your house and in some instances continue to add interest to the debt.

CCJs do not expire as other debts do and the creditor can apply to court to pursue one of these actions in the future.

You need to get some advice about the best way forward. There are procedure such as IVAs and administration orders which can help you. It isn't all one way - you have the right to apply to have the CCJ set aside for several reasons and you can apply to have the payments varied to an affordable amount.

If you want to know how to protect yourself against CCJs contact the Debt Advice Foundation.