What should I do if a debt collector visits?
First, ask to see proof of ID and make a note of their name. All debt collectors should carry this.
Explain to the debt collector what you can afford to pay them, and give them a copy of your budget if you have one.
We recommend paying creditors directly rather than paying debt collectors on the doorstep. If you do pay the debt collector, make sure you get a receipt. You may find if you pay them once they're likely to come back for further payments.
You don't have to open your door to them if you feel uncomfortable. If you don't want to speak to the debt collector ask them to leave. You can deal with the debt over the phone or in writing after the debt collector has left.
A visit from a debt collector is a sign that you need debt help. If you've not contacted us before, call us (free from all landlines and mobiles) for expert debt help, or complete our online debt advice tool.
Watch: Dealing with debt collectors