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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.

Let's Stop Bailiff

Call a member of our team to get help with your debts and stop bailiffs –  0161 820 1298

How it Works?

Step 1

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.

Step 2

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.

Step 3

You are 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.
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.
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.
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

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Take Action Before Bailiff Do

Ignoring Bailiff can lead to further enforcement action. The sooner you act, the more options you have.
Let's Stop Bailiff
You will be contacted by Bailiff Helpline which is a trading style of My Debt Plan Ltd.

My Debt Plan Ltd provides insolvency solutions to individuals, specialising in IVA’s. All advice given is following an initial fact find, tailored to your individual circumstances and provided in reasonable contemplation of an insolvency appointment. Our advice on your options is always free and we will notify you if a solution you choose has a fee associated with it. Where you are not suitable for an IVA, we may refer you to one of our trusted partners who specialise in alternative solutions.

Registered address 2nd Floor Blenheim Court, Cheadle, Cheshire, England, SK8 2JY Company Registered in England and Wales Number 10992838 Data Protection ZB284067.

Lucy Novo Deakin is a licensed insolvency practitioner in the UK by the Insolvency Practitioners Association (IPA).

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.

Legal Links
Developed and Managed by

Aanand Madhav

Credit Score

Credit Score Pop Up Wording : An Individual Voluntary Arrangement (IVA) is a formal agreement with creditors to repay a portion of your debts over time, but it does have an impact on your credit score and it will be difficult to obtain further credit whilst on an IVA. Once an IVA is approved, it is recorded on your credit report and will typically remain there for six years from the date it starts.
However, it’s important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.
Once your IVA is complete you will get a fresh start to begin rebuilding your credit rating.

Fees

IVA costs are charged for the preparation of your proposal and the administration of the arrangement for the full term (usually 5 years) these costs are charged from the monthly contributions you make into the IVA and are not in addition. Costs will only be recovered on approval of your arrangement and once you commence making payments to it. The fees for preparation of the proposal to creditors and calling the meeting for creditors to vote on its approval are called nominees fees, the fees for running the arrangement once approved are called supervisors fees. There are also some expenses incurred in the running of the arrangement such as the registration fee and the statutory insurance that needs to be taken by law, these are called disbursements. For our arrangements, the total of all of these is £3,650 although this may be adjusted by creditors when they vote on whether to accept. No matter what the end total of costs come to, you can be rest assured that these will be taken from the monthly payment we agree with you.