Your creditors can use different ways to get you to pay your debts. One way is to send a debt collector to visit your home in person, although they will often call or write to you first. You are not obliged let a debt collector into your home and they don’t have the right to take goods away.
It’s very important to understand that a debt collector is not the same as an enforcement agent or bailiff. Debt collectors have no special legal powers. You may feel under pressure to pay more than you can afford, but don’t feel threatened. Find out more about the difference between debt collectors and bailiffs.
Debt collectors may work for your creditor, or they may work for a separate debt collection agency. They're sometimes known as doorstep collectors or field agents.
It’s their job to recover the money owed to the company they work for or represent. In many cases, they will agree to the debts being paid back in stages, if that means they’re more likely to recover some or all of the debt. We can help you work out how much you can afford to pay towards your debts.
Worried about home visits from debt collectors?