Enforcement
Can bailiffs force entry to my home?
In most consumer debt cases bailiffs cannot force entry on a first visit. Understand what they can legally do, what they cannot, and how a formal solution stops enforcement.
6 min read
Advice Hub
Clear answers, written by experts
Straight guidance on enforcement, credit files, Scottish solutions and everything in between — no jargon, no scare tactics, no sales pitch.
Latest guides
Read before you decide
Understanding your position is free. Formal solutions are serious, and you should never enter one without knowing exactly how it works.
Credit
The impact of an IVA on your credit file
An IVA is recorded for six years from approval. Here is what that means in practice for borrowing, renting and rebuilding once your arrangement completes.
5 min read
Scotland
Trust Deed vs Sequestration: which is right?
Both are statutory Scottish solutions but they suit very different circumstances. Compare terms, asset treatment, contributions and discharge side by side.
8 min read
Creditors
When do debt collectors stop chasing?
Collection activity rarely stops on its own. Learn how statutory protection works once a formal solution is approved, and what to do in the meantime.
4 min read
Homeowners
Will I lose my home in an insolvency solution?
Most clients keep their home. We explain equity release in the final year of an IVA, the treatment of heritable property in Scotland, and the realistic risks.
7 min read
Basics
Secured vs unsecured debt explained
Only unsecured debts go into formal insolvency solutions. A short primer on the difference and why it determines which route is open to you.
3 min read
Breathing space
The Breathing Space scheme in 60 seconds
A statutory 60-day pause on interest, fees and enforcement for eligible people in England and Wales. Who qualifies, and how to use the time well.
4 min read
Income
How affordability is actually calculated
Creditors assess proposals against the Standard Financial Statement. Understanding the trigger figures explains why one plan is approved and another is not.
6 min read
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