Can Bailiffs Take My Property for My Son's Debt?
Are you getting post from a debt collector about your son's debts? Are they ringing you up at all hours of the night and day? They might be threatening to send the bailiffs around to take your property for your son's debts. It can be scary, and you might not know where to turn.
The good news is that the answer to the question, can bailiffs take my property for my son's debt, is no. Of course, knowing the answer doesn't make it any easier when they're ringing up your flat several times a day. You need to put a stop to their harassment. DoNotPay is ready to make the harassment stop!
What Is a Bailiff?
A bailiff, or enforcement agent, is hired by a debt collector, usually a company or person representing a person's original creditor, to collect the debt. A debt collector might ring you up, send you to court, or attempt to collect in other ways. If their posts and calls remain ignored, the next step is to hire a bailiff to help them collect the debt.
What Happens If I Don't Pay My Debt?
If you don't pay your debts, a debt collector or the original creditor has various options to force you to pay your debts. The debt collector might try to take you to court to get an order forcing you to pay the debt. This might lead to the bailiffs coming to your home to collect your debt or attempting to take your property to fulfil the obligation.
Bailiffs, however, are only allowed to take the property of the person to whom the debt belongs and are not allowed to take another person’s property to cover someone else’s debt, including your child’s debt.
A bailiff will send a Notice of Enforcement if they plan on collecting a debt. If you should receive one for your son, you have seven days before they show up at your home. To prevent inconveniences, get in touch with the bailiff and inform them that the debt is your son’s and not yours. You can send them proof that the debt is not yours if needed. While sending them the evidence, you can request that they put the case on hold until they receive the proof.
Should one show up at your door, a bailiff is required to bring identification with them. To verify, ask them to show you their ID and tell you what type of bailiff they are. You can then verify their identity depending on the type of bailiff you’re dealing with:
|High Court Enforcement officer||Check the High Court Enforcement Association’s directory|
|County court bailiff||Get in touch with the county court|
|Certified enforcement agent||Confirm using the Certified Bailiff Register|
Remember that a bailiff cannot force their way into your home to collect the debt if the debt is not legally yours. They can, however, enter through an unlocked door or window, so make sure you keep them locked.
Should your son live with you and the bailiff has gained access to your home, they normally would just take inventory of what goods they can take to cover the debt. Review the list and ensure only items belonging to your son are on the list. Should one of your possessions be on the list, you may show the bailiff proof that the item is yours, such as a receipt or credit card bill.
How Long Can Debt Collectors Collect Debt From Me?
In the UK, most debts need to be collected within six years of the last payment date or the last day you sent them post. This can be longer if it concerns your mortgage or other debts.
Stop Harassment From Debt Collectors With the Help of DoNotPay
Fortunately, a bailiff can't take your property to satisfy your son's or anyone else's debt. If the debt collector is still ringing you up and sending you post with this threat, you need to take steps to stop them from harassing you. You might have tried explaining the situation and how it isn't your debt, but that hasn't helped. You need to escalate the problem to make the harassment stop. DoNotPay is ready to act on your behalf.
Resolve your debt collection issues in three easy steps:
- Search "debt collection" on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
And that's it! Once you choose the course of action you want, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the relevant trade association or ombudsman.
Why Use DoNotPay to Solve the Problems of Dealing With Bailiffs Collecting on Your Son’s Debt
Safe in the knowledge that the bailiffs can't take your property to satisfy your son's debt, you might wonder if you need the DoNotPay app to help you stop the harassment. It seems like something you should be able to do on your own. However, it might be more challenging than you think. Here are a few reasons to consider:
- It's easy to use the app and provide the necessary details!
- It's fast, so you don't need to waste any more time!
- It's successful, so you don't need to worry about debt collectors ringing you up or bombarding you with post!
DoNotPay Works Across All Companies, Entities, and Groups With the Click of a Button
After you get your son's debt collector to stop ringing you up or sending post, you might need help with more debt collectors. It might be an account you forgot about or one that's so old, it shouldn't be collectable anymore! When bill collectors start ringing you up, the DoNotPay app is ready to help. Here's a look at some of the most common debt collectors:
- Moorcroft Debt Recovery
- DWP Debt Management
- Advantis Debt Collection
- Provident Loans refund
- Marston Group Holdings
- Lowell Financial
- Amigo Loans refunds
What Else Can DoNotPay Do?
With your problems with debt collectors behind you, it's time to find out about the other ways you can rely on the DoNotPay app for help. You can use the app to make many of your one-offs easier. Here's a look at a few of them to get you started:
- Create the paperwork you need to sue someone in small claims court
- Find the help you need to pay your bills
- Try a free trial and avoid future charges
- Locate any money out there with your name on it
- And much more!
Let DoNotPay put an end to harassment from your son's debt collectors today!