Key points
- You must get a Notice of Enforcement at least 7 clear days before a visit
- No visits between 9pm and 6am
- For most debts they can't force their way into your home
- You don't have to let them in
- Fees rise at each stage, so act early
This guide covers England and Wales. Enforcement works differently in Scotland (sheriff officers) and Northern Ireland (Enforcement of Judgments Office).
Before bailiffs visit
For most debts, you must be sent a Notice of Enforcement giving at least 7 clear days before an enforcement agent can visit. Contact the creditor or the enforcement company as soon as you receive it. This is the best time to agree an affordable payment plan before more fees are added.
Can bailiffs enter my home?
For most debts, including council tax arrears, credit cards and parking fines, bailiffs can't force their way into your home. They can only come in if you let them, or through an open or unlocked door. They can't push past you or put a foot in the door. In limited cases, such as unpaid criminal fines or where goods are already under a controlled goods agreement, rules on entry are different.
They can't visit between 9pm and 6am, and they shouldn't enter if the only people home are children under 16 or vulnerable adults.
What can they take?
Bailiffs can't take items you need for basic living, such as beds, bedding, a cooker, a fridge, a washing machine and clothing. They also can't take items belonging to someone else, or goods you need for work up to a set value.
What to do if a bailiff is at your door
- Stay calm and keep the door closed. You can talk through the door or a window.
- Ask for their name, ID and certificate number, and the debt and amount they are collecting.
- Tell them if you are vulnerable, for example because of illness, disability or caring responsibilities.
- Offer an affordable payment if you can, and ask for any agreement in writing.
- Get advice straight away. A debt adviser may be able to set up Breathing Space to pause enforcement.
Frequently asked questions
Can bailiffs force entry for council tax?
No, not on a normal visit. For council tax arrears bailiffs can only enter peacefully, through an unlocked door or if you let them in.
What time can bailiffs visit?
Between 6am and 9pm. They can't visit outside these hours.
Do I have to let a bailiff in?
No. For most debts you don't have to let them in, and you can deal with them through the door.
Free debt advice is available
You can get free, impartial debt advice from not-for-profit organisations through MoneyHelper's debt advice locator.
Sources and further reading
This guide is general information, not advice, and was correct when last updated. Rules and limits can change. Speak to a regulated adviser about your own situation.