Prior notice(Image: Getty)Bailiffs usually have 12 months to collect a debt from the date they send their first letter to you. In the current climate, they can get this period extended if coronavirus rules prevented them from visiting your home. At present, bailiffs also have an obligation to send you a letter before they visit to find out if you are more vulnerable because of coronavirus. Bailiffs collecting all other debts can still enter your home, as long as they have served you a notice of enforcement and have checked if you are vulnerable because of coronavirus. Instead, contact the organisation you owe, explain your financial situation and ask for time to pay or a payment plan.

Source: Daily Mirror November 15, 2020 07:00 UTC