Can Debt Collectors Come to Your House in the UK?
What collectors can and can’t do at the door, how this differs from bailiffs, and steps to stop visits quickly and safely.
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Latest articles on DMPs, IVAs, DROs, dealing with collectors & bailiffs, and protecting essentials first.
✅ Start Free CheckWelcome to the Fresh Start Debt Help Blog, your go-to resource for practical guidance, news and updates about debt solutions, IVAs, managing creditors, and more. Whether you're looking to stop bailiffs, manage your repayments or understand your rights — we've got you covered.
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Know Your Rights
What collectors can and can’t do at the door, how this differs from bailiffs, and steps to stop visits quickly and safely.
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Costs & Fees
Exact fee stages (£75 / £235 / £110) with examples, when extra percentages apply, and how to avoid unnecessary costs.
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Bailiff Action
Got a Notice of Enforcement? Learn the 7-day deadline, what counts as entry, bailiff visit rules, and how to delay or stop enforcement fast using Breathing Space or affordable plans.
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Council Tax
Behind on council tax? Learn each step from reminder to liability order, bailiff visits and attachment of earnings — plus Breathing Space and affordable plan options.
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Energy Bills
Behind on gas or electricity? Learn your rights, how smart/prepay deductions work, grants & hardship funds, and how to move to one affordable plan.
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Tax & HMRC
Got a text about HMRC from Advantis? Learn safe checks to confirm it’s genuine, how to report phishing, and how Time to Pay works if you can’t afford the full amount.
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Court Action
Learn what a CCJ is, when to apply to set aside, how payment plans work, and how long it stays on your credit file with simple steps to repair your score.
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Know Your Rights
Check if an old debt is too late to enforce, what resets the clock, and the key exceptions (CCJs, council tax, mortgage shortfalls, HMRC) with a free template letter.
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Credit & Loans
Exact steps to cancel Continuous Payment Authorities with your bank, ask lenders to freeze interest, and roll debts into one affordable plan — includes copy-paste letters and a phone script.
Read articleUnderstand how each route works, who qualifies and what to expect day to day: Debt Management Plans, IVAs, DROs, and IVA vs DMP vs Bankruptcy.
Protect the roof, heat and council tax first: Council Tax, Energy & Utilities, Rent Arrears, Mortgage Arrears.
Know your rights and next steps: What is debt collection?, Lowell, Moorcroft, Link Financial, Bristow & Sutor, Excel Civil Enforcement, Newlyn.
Targeted help for the debts we see most: Credit Cards, Loans, Catalogue, Overdrafts, Payday Loans, Store Cards.
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