The actions creditors can take to encourage or enforce payment.
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A polite reminder, a letter before action, a statutory notice. Which is it?
A debt collection agent at your door should not be confused with a bailiff acting in an official capacity.
It’s a formal notification that a contractual payment has been missed you are in arrears.
Not a statutory notification, but it is a generally expected before legal action can be taken.
If you get a judgment, this means that the court has formally decided that you owe the money.
Danger: A charging order turns an unsecured debt into a debt secured against your home.
Creditors can apply for a court order to question you under oath about your financial situation
Scare tactic or a threat of bankruptcy? Ignore at your peril as you may be made bankrupt.
Money can be taken directly from benefits for certain types of debts and payments.
An Attachment Of Earnings Order tells your employer to pay some of your wages to the Court.
A creditor wants to get to your money before you do.
Learn how bailiffs must conduct themselves and which of your items which they can’t take.