Bailiffs & Debts
How Bailiff Helpline can help you
At Bailiff Helpline, we are very well experienced at setting up a debt solution to deal with bailiffs.
If you’re worried about a knock at the door, it’s important to take action, if you don’t, it will only get worse and cause you more stress.
We could help you to write off up to 75%* of your debt with an affordable repayment plan such as an Individual Voluntary Arrangement (IVA), and stop bailiffs from contacting.
Call a member of our team to get help with your debts and stop bailiffs – 0161 660 7255
How it works:
Let’s talk
Apply online or call us now and one of our friendly advisors will be happy to discuss your situation in more detail.
We can help you
Subject to your circumstances, we can help set up an affordable repayment plan, such as an IVA, between you and your council or creditors.
You’re not alone
Remember, you’re not alone in this – we are here to support you every step of the way. We help people in the same situation as you every day.
Stop Bailiff Action with an IVA
What is an IVA?
IVA is short for Individual Voluntary Arrangement, and is a debt solution that allows you to consolidate your debts into one monthly payment. Typically it lasts between 5 to 6 years, based on the amount you can reasonably afford to pay. Once you've entered an IVA, you will be legally protected against creditors or bailiffs from contacting you for those debts. At the end of your IVA agreement, your remaining debt will be written off.
Am I eligible for an IVA?
Not everyone is eligible to enter an IVA. You'll usually need to have at least three different creditors and over £5,000 worth of unsecured debt, but also show that you have a source of income that allows you to pay something back each month. An IVA can be used to pay off certain types of debt including; Council Tax, overdrafts, personal loans, credit cards, store cards, and more.
How does an IVA work?
You will first need to run through your income and outgoings with your chosen Insolvency Practitioner, working out realistically how much you can afford to pay back towards your debts, but also have enough money to pay your everyday living costs. If you are eligible, then an IVA proposal will be put together and once ready it will be shared with your creditors. As long as the majority of your creditors agree to the terms of your proposal, your IVA will be approved.
How much does it cost?
There are fees involved to get IVA debt help from an Insolvency Practitioner and these include an initial set-up fee as well as handling fee. These fees are usually based on your total debt. Even so, the good news is that you probably won’t notice them once your IVA is up and running as they will be taken from your affordable monthly repayment.
It’s always important to remember…
- Don’t let bailiffs in – you are not under any condition to let anyone enter your home, so don’t feel pressured to.
- Don’t be frightened – we understand how intimidating they can be, but you don’t have to engage in any conversation with bailiffs.
- Never sign anything – until you have all the advice and knowledge you need, don’t sign anything that a bailiff is requiring you to.
We’ve helped people just like you stop bailiff action
Some of the bailiffs we have helped stop
