CCJs and enforcement
Court judgments, bailiffs, attachment of earnings, charging orders and enforcement steps.
Fenton Marsh Legal Q&A
Debt & Bankruptcy
Practical guidance on debts, creditor action, CCJs, enforcement, insolvency options and debt relief.
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Debt problems usually turn on the type of debt, who is legally liable, whether a court judgment already exists, and whether the creditor is still collecting voluntarily or has moved into formal enforcement or insolvency.
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Bankruptcy
Bankruptcy petitions, discharge, assets, income, employment and debts affected by bankruptcy.
IVAs, DROs and debt plans
Individual voluntary arrangements, Debt Relief Orders, debt management plans and Breathing Space.
Debt collectors and creditors
What debt collectors can do, creditor contact, doorstep visits and collection disputes.
Old and statute-barred debts
Limitation, old debts, acknowledgments, payments and whether court action is still available.
Joint debts and guarantees
Joint liabilities, spouse or partner debts, guarantors and what happens when relationships change.
Priority arrears
Mortgage, rent, council tax and essential household arrears where the consequences can be immediate.
Loans and consumer credit
Loans, cards, overdrafts, buy-now-pay-later and affordability problems.
Statutory demands and creditor petitions
Statutory demands and insolvency action started by a creditor.
Identity fraud and disputed debts
Debts said to arise from fraud, identity theft or accounts the person says they never opened.
More Debt & Bankruptcy questions
Additional practical questions that do not sit neatly inside one of the main topics above.
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Can a debt collector come to my house?Can bailiffs enter without permission?Can a creditor take money from my wages?Can my bank take money from another account?Credit card debt I can no longer affordCatalogue debt passed to debt collectorsCouncil tax arrears and enforcementCar finance arrears and repossession threatsCan I stop creditor letters and calls?Can creditors contact me at work?Creditor refused my payment offerCan I pay debts at £1 a month?Can creditors still chase me on a DMP?Can creditors still chase me during an IVA?Can I keep my car on a DRO?Can I keep my home if I go bankrupt?Can I keep my car if I go bankrupt?Can I run a business while bankrupt?Can bankruptcy affect my job?Can I get a mortgage after bankruptcy?Can bankruptcy write off tax debts?Court fines and bankruptcyCan creditors still contact me after bankruptcy?Can bankruptcy be cancelled or annulled?Creditor threatening to make me bankruptCounty Court Judgment I cannot affordCan I get a CCJ set aside?Charging order placed on my homeCan a creditor force the sale of my house?Creditor found me after years of silence
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Water bill arrears getting out of controlWhat happens if my IVA fails?What debts cannot go into a DRO?Will a DRO affect my tenancy?What happens after I go bankrupt?Will bankruptcy clear all my debts?What happens to my bank account in bankruptcy?Will my employer find out about my bankruptcy?What happens to joint debts if I go bankrupt?