Legal Aspects of Debt and Obtaining Credit
Understanding your legal rights when you're a debtor is vital - although the law gives your creditors the power to take action to recover the money you owe them, it also makes them adhere to certain procedures before they can take any legal action. For example, you cannot be evicted from your home without the creditor going to court and obtaining the necessary order. So knowing the law will give you protection, and will stop you from being unduly intimidated.
In this section, you'll find details of a number of legal processes concerning debt and how you should handle them, including how to deal with County Court Judgements and making sure you keep a roof over your head and avoid being repossessed or evicted.
There's also a look at your rights when it comes to creditors disconnecting services or seizing goods - what they are allowed to do, and what would be considered harassment.
