Dealing with Debt
If you're in debt it is important to deal with the problem straight away. The longer you ignore your debts, the worse the situation becomes.
Find out what you can do about your debt problem and where to get free help and advice.
- Step one - make a list of everything you owe
- Step two - put your debts in order of importance
- Step three - work out a personal budget
- Step four - get advice on the different ways to deal with your debts
Dealing with Bailiffs
Do not ignore bailiffs. The bailiff can actually help to resolve a situation which otherwise will inevitably get worse. The ultimate sanction for many debts, such as council tax and unpaid fines, is a custodial sentence.
The bailiff can, in many cases, help by setting up an arrangement to pay by agreed installments. However, in order to have an arrangement, the bailiff must secure the debt by distraining on goods. This does not mean goods will be removed immediately but it is a process where the bailiff takes legal control of the goods and leaves them in place while you make your payments.
The bailiff can provide you with a payment card that allows you to pay at any post office at low cost.
Remember! The quicker you deal with the situation, the less it will cost!
Below you will find links to helpful websites that can guide you through your debt problems.
Process for Illegal or Irregular Distress
The Citizens Advice Bureau About Bailiffs
Directgov Bailiffs and Debt Collectors
Directgov Managing Debt
Debt Advice in the Sunderland Area
National Standards for Enforcement Agents Jan 2012