Use Breathing Space and one affordable plan (DMP · IVA · DRO) to reduce calls, letters and visits. Many start from around £69/month, depending on circumstances.
✅ Start Free Debt CheckIf letters, calls or visits are piling up, you’re not alone—and there are calm, legal steps you can take. We help you protect essentials first, then channel all contact through one affordable plan. Where appropriate, we also help you use Breathing Space, a legal pause on most enforcement while your solution is set up.
Start Free Debt CheckOfficial info: GOV.UK — Breathing Space. Practical guides: Citizens Advice, MoneyHelper.
Get Personal AdviceDebt collectors are not bailiffs and have no special powers. They cannot enter your home or take goods. Bailiffs (enforcement agents) usually come after a court order (e.g., a CCJ or council tax liability order). For council tax in England & Wales, they cannot force entry on a first visit.
If a bailiff attends, keep doors locked and speak through the door. Offer affordable payments in writing/phone. See Citizens Advice — council tax bailiffs.
Reduce Contact NowUnsure? See Compare Solutions and try the Debt Calculator.
See My Best RouteGuides to help you respond with confidence:
If you’ve had a claim form, respond within the deadline. After judgment, you can usually apply to vary if the payment is unaffordable, or set aside if you have grounds. See GOV.UK guidance on CCJs. For wage deductions, read about Attachment of Earnings.
Sort Court PapersIf you’re unsure the debt is yours, ask for evidence (a “prove-it” approach). If contact becomes excessive or threatening, you can send a harassment warning. While you set up a plan, Breathing Space can pause most contact.
Templates inspired by public guidance. For detailed examples see reputable sources like National Debtline and PayPlan.
Calm the ContactWhat it does: Pauses most enforcement and contact for up to 60 days and usually freezes interest/fees on included debts while you get advice and pick a solution.
What it doesn’t do: It’s a temporary pause, not a write-off; ongoing payments like rent, mortgage and utilities still need to be paid. Mental Health Crisis Breathing Space can last longer while treatment continues.
Next step: speak to us about whether Breathing Space is appropriate before starting it, then move into a DMP, IVA or DRO as appropriate.
Check EligibilityOnce a DMP/IVA is agreed, contact usually drops sharply. We also help you use Breathing Space while your plan is set up.
No—for council tax, they cannot force entry on a first visit in England & Wales. Speak through the door and arrange payments in writing/phone.
Formal routes can affect your credit file. Our focus is stabilising your household and building a plan you can keep.
Begin with the quick JotForm. We’ll try to call you promptly and can WhatsApp if easier.
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