You are not obliged to let anyone into your home, so don't.
You don't have to speak to bailiffs and do not respond to intimidation.
You simply mustn't sign anything a bailiff or bailiff company puts in front of you.
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A Debt Management Plan is an informal agreement between you and your creditors to pay back your debts. We’ll help you work out what’s really affordable, and you’ll pay one set monthly amount, which is then divided between your creditors.
A DMP is not insolvency, you’re not tied in for a minimum period and can make changes to your payment if your circumstances change.
A legally binding agreement between you and your creditors to pay an affordable monthly amount for a set period of time – usually 5 or 6 years, and then any remaining debt will be written off.
On average, IVA customers maybe able to write off over 70% of their total debt, with more than a third achieving over 80% debt write-off**. They’re also protected against legal action, creditor contact, rising interest & charges, and asset repossession.
**From April 2022 to August 2022 37% of customers achieved a debt write off over 80%, with average write off being 73%. The amount of debt written off is dependent on your circumstances.
Yes, an IVA will have an impact on your credit rating as it will show on your credit report for six years after it has been approved.
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 be offered a fresh start to begin rebuilding your credit rating.
In most cases entering an IVA won’t affect employment. However, in certain professions, such as accountants and solicitors, having an IVA may mean that you can no longer practice or you may only be able to practice under certain conditions.
Once you enter an IVA, creditors can take no further action against you and can’t contact you directly.
When you’re considering entering an IVA, it’s important to be aware of the following:
This isn’t an exhaustive list of considerations to be aware of before deciding to enter an IVA. An advisor at our one of partner companies will ensure you’re aware of the advantages and disadvantages to help you make an informed decision.
All of our initial help is free; however, fees will apply should you decide to enter into an arrangement.
Our partner companies operate a transparent fixed fee model, which incorporates the Nominee Fee, Supervisory Fee and all costs and expenses associated with the arrangement.
Fees will be taken from your monthly payment or asset realisations paid into your arrangement.
These will be discussed by an expert advisor at one of our partner companies to make sure you are fully aware of the costs involved.
My Bailiff Advice is here to help. We provide confidential advice, get rid of bailiffs, mediate with your local council and create affordable repayment plans for you outstanding council tax arrears.
We help people go on living without the burden or fear of being in arrears to the council and bailiffs. Our team are experienced, professionals ready to help you deal with intimidating bailiffs.
Every day we help hundreds of people just like you. While the bailiffs stand at your door, our experienced case workers are on the phone to your local authority stopping intimidating bailiff action.
If you owe money to your local council and they have threatened bailiff action, speak to us and we can get you on the road to paying off your council tax arrears today.
Bailiffs cannot break in unless they have been given permission to do so by the court.
If you allow a bailiff into your home, they can force entry on their next visit.
You have a right to appoint a representative. The bailiff may claim they don't work with third party representatives such as us but we know better.
Bailiffs shouldn't be forcing anyone to pay more than they actually can to their local authority.
It is your right to work with us at My Bailiff Advice to set up affordable monthly repayments.
We can help you to clear your council tax arrears with your council.
Learn about your rights and exactly how to deal with a bailiff at your door.
We've helped thousands of people repay their council tax arrears
We're serious about helping people because we've had bailiff problems too.